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

When people hear “second mortgage,” they often assume it’s complicated or risky—but for business owners, investors, and borrowers with equity, it can be a strategic financial tool. At Assurity Capital, second mortgages are a common solution for fast, short-term funding. Here’s what you need to know about how second mortgages work and when they’re used. What Is a Second Mortgage? A second mortgage is a loan secured against a property that already has an existing (first) mortg

Assurity Capital has successfully settled a $60,000 private loan secured against a vacant land located in Junee, New South Wales. The loan was structured at approximately 40% Loan-to-Value Ratio (LVR) and provided to assist local business owners with funding required to upgrade and refit a bakery operating within the Junee community. With many traditional lenders reluctant to provide finance against vacant land securities, particularly in regional locations, Assurity Capital

Flexible Private Lending Solutions Assurity Capital provided a $178,000 second mortgage private loan secured against a residential property in Bellbowrie, Queensland . This loan was crucial for the borrower’s business growth . It enabled access to working capital necessary for expanding operations. The funding came at an impressive 60% loan-to-value ratio (LVR) based on a desktop valuation . This approach facilitated a fast and cost-effective settlement process. Such effic

First Mortgage Private Loan - Cheltenham. Assurity Capital provided a first mortgage private loan of $666,250 , secured against a residential property located in Cheltenham , a bayside suburb of Melbourne, Victoria. The borrower required fast access to capital to refinance an existing business loan that had been secured against a different property. By leveraging equity in the Cheltenham property, we were able to provide a flexible solution with a loan-to-value ratio (LVR)

Assurity Capital successfully arranged and settled a combined 1st mortgage of $474,500 and 2nd mortgage of $295,500 to assist with the purchase of a one-bedroom apartment in Newcastle, New South Wales. The transaction involved a discretionary trust with a corporate trustee structure — a lending scenario where traditional lenders can often become restrictive or time-consuming. Using a tailored private lending solution, Assurity Capital was able to assist the client in meeting

Assurity Capital recently settled a $295,000 second mortgage private loan secured across three separate assets located in New South Wales: A medical centre in Murwillumbah A rural residential property in Maroota A parcel of vacant land in Morts Estate The loan was structured at a 76% loan-to-value ratio (LVR) across the combined assets. Loan Overview Loan Type: Second Mortgage Loan Amount: $295,000 Security: Commercial property (medical centre – Murwillumbah) Rural r

Assurity Capital has successfully arranged a $187,000 second mortgage private loan secured against a residential property in Bellbowrie, Brisbane, Queensland. The funding was provided to assist the borrower in addressing urgent ATO liabilities and unpaid superannuation obligations, helping stabilise their financial position and avoid further recovery or enforcement action. With time-sensitive tax pressures and limited access to traditional finance, Assurity Capital was able t

Assurity Capital recently completed a first mortgage private loan secured against a premium apartment within Eureka Tower in Southbank, Melbourne. Recognised as one of Australia’s most iconic residential skyscrapers, Eureka Tower remains one of Melbourne’s most tightly held prestige apartment developments due to its location, quality, and landmark status. The transaction demonstrates how private lending can provide practical short-term funding solutions for borrowers who requ

Renovation Funding Secured Through Flexible Private Lending First mortgage private loan - Lakes Entrance. Assurity Capital recently arranged a First mortgage private loan secured against a serviced apartment in Lakes Entrance, VIC . The property is company-owned and located in one of Victoria’s most picturesque coastal towns, making it an ideal candidate for a strategic renovation project. Loan Overview - First mortgage private loan Lakes Entrance Loan Type : First Mortgage

First mortgage private loan - Rose Bay. Assurity Capital has successfully settled a $6.175 million first mortgage private loan in secured against a DA-approved residential development site in Rose Bay , one of Sydney’s most prestigious harbour-side suburbs. The site has approval for three luxury whole-floor apartments , offering strong end-value potential and broad market appeal. The client required fast and flexible funding to refinance an existing facility and release c

Private Lending for Business Cash Flow Relief Assurity Capital recently funded a 1st mortgage private loan of $120,000 secured against a residential property in Banora Point , located in the picturesque Northern Rivers region of New South Wales, within the Tweed Shire . Loan Details: Loan Amount : $120,000 Loan Type : 1st Mortgage Private Loan Security : House in Banora Point, NSW Purpose : Refinance existing unsecured debts and improve business cash flow Valuation : Not

Supporting Repeat Borrowers with Property Development Finance Assurity Capital recently settled a second mortgage private loan of $545,000 , secured against a new duplex development in Mornington, Victoria . This marks the second successful transaction we’ve completed for this experienced property developer, reinforcing our commitment to building long-term relationships through consistent, reliable private lending solutions. Loan Summary: Loan Type : Second Mortgage Priva

When developers need fast, reliable funding, second mortgages can provide a practical solution—especially when strong equity is available. In this recent deal, Assurity Capital arranged a $825,000 second mortgage secured against a premium apartment in Bondi Beach, Sydney. The Scenario - Second mortgage Bondi Beach Location: Bondi Beach, NSW Security: Residential apartment Second Mortgage: $825,000 Total Leverage: 52.5% LVR Purpose: Funding support for an ongoing proper

Location: North Arm Cove, Port Stephens, Loan Amount: $715,000,LVR: 55% (as-is value) Assurity Capital has provided a 1st mortgage private loan of $715,000 secured against a residential property in North Arm Cove , located on the northern shore of Port Stephens, NSW . Deal Overview: Loan Type: 1st Mortgage – Private Loan Security: Residential house in North Arm Cove Loan Amount: $715,000 Leverage: 55% LVR (based on “as-is” valuation) Purpose: • Fund completion of constr

Flexible Private Lending to Complete a Home Renovation Project Assurity Capital recently funded a second mortgage private loan of $150,000 , secured against a residential property in Caves Beach , a sought-after coastal suburb in New South Wales. The funds were used to assist with the completion of a renovation and construction project , transforming the property into a modern family home. Loan Summary: Loan Type : Second Mortgage Private Loan Loan Amount : $150,000 Locatio

Private Lending to Unlock Value from Industrial Property Assurity Capital recently settled a 1st mortgage private loan of $1,710,000 , secured against a residential property located in Eltham , a leafy suburb in Victoria. The loan was structured at 60% loan-to-value ratio (LVR) , allowing the borrower to access equity for a strategic business purpose. Loan Summary: Loan Type : 1st Mortgage Private Loan Loan Amount : $1,710,000 Location : Eltham, Victoria Security : Resident

Assurity Capital recently provided a 1st mortgage private loan of $1,650,000 , secured against a residential property in Mona Vale , a highly sought-after suburb in Sydney’s Northern Beaches region. The purpose of the loan was to refinance an existing private facility with improved terms and a more competitive interest rate. Loan Snapshot: Loan Type : 1st Mortgage Private Loan Loan Amount : $1,650,000 Location : Mona Vale, Northern Beaches, Sydney Security : Residential h

Private Lending to Refinance Business Debt and Unlock Working Capital Assurity Capital recently arranged a second mortgage private loan of $310,000 , secured against two residential properties —one located in Wandong and the other in Wallan , both situated in regional Victoria. The loan was structured at approximately 53% loan-to-value ratio (LVR) and provided funding to refinance existing business debt and inject additional working capital into the borrower's operation

Private Lending for Joint Venture Property Syndicate Funding Assurity Capital recently provided a 1st mortgage private loan of $290,000 , secured against a residential unit in Essendon , a well-established suburb in Melbourne, Victoria . The borrower required funds to participate in a joint venture property syndicate , leveraging strong equity in their existing property. Loan Snapshot: Loan Type : 1st Mortgage Private Loan Loan Amount : $290,000 Location : Essendon, Melbour