Assurity Capital recently funded a first mortgage in Darwin city North Territory for the purchase of an apartment, providing a fast, flexible solution for a buyer who needed certainty and speed. With a strong equity position and clear market evidence, Assurity Capital approved the loan at 65% LVR and waived the need for a formal valuation after conducting its own internal assessment. This case study highlights our ability to make commercial decisions that support real-worl

Assurity Capital recently provided a fast and flexible first mortgage private loan to a client in Seville, Victoria, helping them launch a new business venture without the delays of a traditional valuation process. This scenario is a perfect example of how low-LVR, equity-based lending can deliver fast results for borrowers who need commercial funding quickly. Where Is Seville, Victoria? Seville is a semi-rural township located in the Yarra Valley, approximately 45 km east of

Assurity Capital recently completed a $246,500 first mortgage private loan secured against a semi-detached residence in Mosman, Sydney, with an estimated property value of approximately $4 million. The transaction highlights the importance of practical commercial decision-making in private lending, particularly where time-sensitive funding requirements intersect with unexpected title complications. Premium Mosman Security Property - First mortgage The security property was a

Private Funding for Art Gallery Stock Expansion Situation An established art gallery business approached Assurity Capital seeking additional capital to acquire new stock for upcoming exhibitions. The borrower owned a substantial rural property in Oallen, NSW, with an estimated value of approximately $3,000,000. The funding requirement was $375,000, and because of the very low loan-to-value ratio (around 12.5%), no formal valuation was required. Loan Structure Loan Amount: $3

Assurity Capital recently settled a $4 million first mortgage private loan secured against a substantial commercial accommodation property in Randwick, Sydney. With an estimated property value of approximately $20 million and leverage of only around 20%, the transaction highlights how private lending can provide practical funding solutions where borrowers require speed, flexibility, and commercial decision-making. A Significant Commercial Accommodation Asset - First mortgage

Private lending has become one of the fastest-growing funding solutions in Australia. With banks tightening credit policies and turnaround times blowing out, both brokers and borrowers are increasingly turning to private lenders for faster, more flexible access to capital. Whether you’re a broker looking to understand private lending more deeply, or a borrower seeking fast finance for business, investment, or property opportunities, this guide explains exactly how private len

From 1 July 2025 , the rules regarding deductibility of ATO tax debt will undergo significant changes. Businesses will no longer be able to claim deductions on interest incurred from outstanding ATO tax debts. For many businesses already managing cash flow pressures, this shift could mean higher effective costs if tax liabilities remain unpaid. What Does This Mean for Businesses? - ATO Tax Debt Previously, interest charged by the ATO on overdue tax debts could be claimed as

What is Private Lending? Private lending refers to loans provided by non-bank entities — including individuals, private companies, or specialist funds — directly to borrowers. Unlike traditional banks, these lenders often offer more flexible terms and faster decisions. This makes private lending an attractive option for many borrowers. Why is Private Lending Gaining Traction in Sydney? Speed & Flexibility : Borrowers seeking fast, tailored financing find private lending appea

In today’s competitive finance market, brokers need more than just traditional bank products to stand out. Clients expect speed, flexibility, and solutions that match their unique situations—especially when conventional finance isn’t an option. That’s where private lending comes in. Partnering with a trusted non-bank lender like Assurity Capital allows brokers to say “yes” to more deals, win more clients, and grow referral networks. The Problem: Why Brokers Lose Deals to De

In today’s competitive financial landscape, traditional bank loans often fall short for many business owners, investors, and property developers who require swift, flexible funding. That’s where private lending steps in — a dynamic solution providing fast access to capital secured by property, without the rigid restrictions of banks. What is Private Lending? Private lending is a form of finance offered by non-bank lenders, private investors, or specialist funds. Unlike tradi

At Assurity Capital, we provide private second mortgage loans to business owners across Australia who need fast, flexible funding — without the red tape of traditional banks. But second mortgages aren’t just for emergencies or debt consolidation. They can be a powerful strategic tool to grow and stabilise your business. Here are five unexpected — yet highly effective — ways a second mortgage can help you unlock business growth. 1. Purchase Inventory at a Discount — Quickly

Second mortgages can unlock the value in your existing property without disrupting your first mortgage — but how much can you actually borrow? At Assurity Capital , we specialise in fast, flexible second mortgage solutions for borrowers across Australia. Whether you’re looking to fund a business, settle urgent debts, or cover a property deposit, this guide will help you understand how much you can borrow with a second mortgage — and how the process works. What Is a Second Mor

When you're looking to finance business growth, manage cash flow, or cover urgent expenses, you’ll typically face two options: secured and unsecured business loans . Both serve distinct purposes, and the right loan depends on your business’s needs, assets, and repayment capacity. At Assurity Capital, we offer flexible private lending solutions tailored to suit different business circumstances — including both secured and unsecured loan options . What Is a Secured Business L

Bridging finance is a powerful tool for property investors, developers, and business borrowers who need fast access to capital between transactions. Unlike traditional lenders, Assurity Capital offers flexible, non-NCCP bridging loans secured by real estate — allowing borrowers to seize opportunities without being slowed down by rigid bank requirements. What Is Bridging Finance? Bridging finance is a short-term loan designed to cover a gap between: Buying a new property

Private Lending ATO Debt - For business owners and self-employed individuals, outstanding ATO tax debt can quickly spiral into a serious problem — especially when it starts to impact credit, cash flow, or financing options. At Assurity Capital , we regularly help clients pay out ATO debt using private loans , giving them breathing room to get back on track, avoid enforcement action, and prepare for long-term refinancing. Why ATO Debt Is a Red Flag for Traditional Lenders Man

Refinancing Private Lender - Private loans serve a valuable purpose when speed, flexibility, or complexity rules out traditional finance. But they’re not meant to be long-term solutions. Many borrowers find themselves nearing the end of a private loan term — and facing pressure to refinance quickly . At Assurity Capital , we specialise in helping borrowers refinance out of existing private lenders , whether to access better terms, buy more time, or transition to bank finance

Residual stock finance is a powerful tool for property developers holding completed but unsold units after construction. At Assurity Capital, we regularly assist developers in unlocking equity from their remaining inventory to repay lenders, fund new projects, or support cash flow. In this article, we’ll explain what residual stock finance is, how it works, and when it can benefit your development business. What Is Residual Stock? Residual stock refers to the unsold apartmen

When exploring private lending options, many borrowers and brokers come across terms like first mortgage and second mortgage . But what do they actually mean—and which one suits your funding needs? At Assurity Capital, we specialise in both first and second mortgage loans. Understanding the difference can help you unlock the right solution, especially when speed and flexibility matter. What Is a First Mortgage? A first mortgage is the primary loan secured against a propert

Private loans are designed to be short-term, fast, and flexible. But just as important as getting the funding is how you're going to repay it — and that’s where your exit strategy comes in. At Assurity Capital, we consider your exit strategy one of the most important parts of any deal. Here's why it matters — and what a strong exit looks like. What Is an Exit Strategy in Private Lending? An exit strategy is the clear, realistic plan for how you will repay the loan at or bef

When speed, flexibility, and access to capital matter most, private loans can provide a powerful alternative to traditional bank finance. Whether you're self-employed, running a business, or investing in property, private lending offers a way forward when mainstream lenders can’t. At Assurity Capital, we specialise in private loans secured by property. Here's a clear overview of how they work—and how they can help. What Is a Private Loan? A private loan is a short-term, ass