Private Lenders Brisbane for Property-Secured Business Finance

Assurity Capital is an Australian non-bank private lender providing property-secured finance across Brisbane and South East Queensland. We consider private loans from $50,000 to $5 million and above for eligible business, investment and commercial purposes.

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Our Brisbane private lending solutions include first mortgages, second mortgages, bridging loans, secured business loans, commercial property finance, property development funding, construction completion loans, residual stock finance and refinancing of existing private loans or caveat facilities.

Assurity Capital works with Brisbane business owners, property investors, developers, self-employed borrowers, companies, trusts, mortgage brokers, accountants and solicitors. Each application is assessed according to the property security, existing debt, mortgage priority, loan purpose, proposed loan-to-value ratio and exit strategy.

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Private lending may be considered when a commercially viable transaction does not fit a bank’s lending policy, documentation requirements or available timeframe.

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Submit Your Brisbane Private Lending Scenario

Call Assurity Capital: 02 9389 1077

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Finance is available for eligible business, investment and commercial purposes only. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans.

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Find Private Lenders Across Brisbane

Explore private lending information for your location:

• Private Lenders Brisbane CBD

• Private Lenders North Brisbane

• Private Lenders South Brisbane

• Private Lenders Brisbane Bayside

• Private Lenders Logan

• Private Lenders Ipswich

• Private Lenders Moreton Bay

• Private Lenders Queensland

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If your location is not listed, contact Assurity Capital. Eligible private mortgage and business finance applications may be considered throughout Greater Brisbane and South East Queensland, subject to the property, purpose, location, valuation, leverage and exit strategy.

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Brisbane Private Loan Solutions

Explore Assurity Capital’s property-secured lending products:

• First Mortgage Private Loans

• Second Mortgage Loans

• Bridging Loans

• Secured Business Loans

• Short-Term Business Loans

• Residual Stock Finance

• ATO and Creditor Payment Loans

• Private-Lender and Caveat Refinancing

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Assurity Capital Brisbane Private Lending at a Glance

• Provider: Assurity Capital

• Provider type: Australian non-bank private lender

• Service area: Brisbane and eligible South East Queensland locations

• Loan amounts: From $50,000 to $5 million and above

• Purposes: Eligible business, investment and commercial purposes

• Security: Eligible residential investment, commercial, industrial, development and land assets

• Products: First mortgages, second mortgages, bridging loans, business finance, development funding and private-loan refinancing

• Experience: More than 20 years

• Transactions completed: More than 1,500

• Capital funded: More than $875 million

• Assessment: Property, existing debt, purpose, mortgage position, leverage, risks and exit strategy

• Approval: Subject to assessment, acceptable security, lending criteria, legal documentation and final approval

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What Is a Private Lender in Brisbane?

A private lender in Brisbane provides finance outside the standard major-bank lending process. Private loans are commonly secured by real estate and structured for a defined business, investment or commercial purpose.

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A Brisbane private mortgage lender may assess an application by examining:

• The security property and its accepted value

• The property’s location and marketability

• Existing mortgages, caveats and secured liabilities

• Whether the proposed loan will hold first or second mortgage priority

• The total loan-to-value ratio

• The intended use of the funds

• The proposed loan term

• Interest-servicing arrangements

• The borrower’s commercial circumstances

• The proposed repayment or exit strategy

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Private lending can offer a different assessment pathway from conventional bank finance, but it is not automatic or unrestricted. Due diligence, legal documentation and lender approval are still required.

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Is Assurity Capital a Private Lender or Finance Broker?

Assurity Capital is an Australian non-bank private lender.

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Some businesses appearing in searches for “private lenders Brisbane” are finance brokers, comparison services or intermediaries that submit applications to third-party lenders. Assurity Capital is positioned as a private lender providing property-secured finance under applicable lending criteria.

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Borrowers should establish:

• Which entity is providing the finance

• Which entity will hold the mortgage security

• Whether a broker or introducer is involved

• What fees are payable

• The complete cost of the facility

• The mortgage priority being requested

• How the loan will be repaid at maturity

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Clear lender identity and loan terms help borrowers and professional advisers evaluate a private finance proposal properly.

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Why Brisbane Borrowers Use Private Lending

Private lending is generally used to solve a specific funding problem or complete a time-sensitive commercial transaction.

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Brisbane borrowers may consider private finance when they need to:

• Complete an urgent property settlement

• Purchase commercial or investment property

• Refinance an existing mortgage

• Replace a maturing private loan

• Refinance eligible caveat-related finance

• Access property equity for business purposes

• Fund working capital or business expansion

• Pay eligible business-related ATO obligations

• Address urgent commercial creditors

• Complete a delayed construction project

• Fund a property development

• Release equity from completed residual stock

• Bridge the period between a property purchase and sale

• Consolidate eligible business or investment debt

• Act on a time-sensitive commercial opportunity

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A bank decline does not guarantee private-loan approval. Assurity Capital still needs to be satisfied with the property security, loan purpose, leverage, risks and exit strategy.

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Private Lenders Versus Banks in Brisbane

Banks and private lenders generally address different borrowing requirements.

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When Bank Finance May Be More Appropriate

Bank finance may be more suitable when:

• The borrower satisfies standard serviceability requirements

• Complete financial information is available

• The application fits conventional bank policy

• Settlement is not time-sensitive

• Long-term finance is required

• Minimising the interest rate is the principal objective

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When Private Lending May Be Considered

Private lending may be considered when:

• Settlement or refinancing is urgent

• The borrower has a complex financial position

• The security falls outside standard bank policy

• Existing property equity supports the transaction

• A short-term finance bridge is needed

• A tailored mortgage structure is required

• The bank cannot complete its process in time

• The borrower has a credible sale, refinance or development exit

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Private finance normally costs more than standard bank finance. Borrowers should compare the commercial benefit of completing the transaction against the total interest, fees, legal expenses and risks.

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First Mortgage Private Loans Brisbane

A first mortgage gives the lender the first-ranking registered mortgage over the security property.

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First mortgage private loans in Brisbane may be considered for:

• Commercial property purchases

• Investment property purchases

• Refinancing an existing lender

• Business working capital

• Business expansion

• Development-site acquisition

• Construction or project expenses

• Urgent property settlements

• Eligible commercial debt consolidation

• Releasing equity for an approved business purpose

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First mortgage security generally presents less risk than a second mortgage because the lender holds priority over later registered interests. The available amount and terms still depend on the property, purpose, location, LVR and exit strategy.

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Second Mortgage Loans Brisbane

A second mortgage is registered behind an existing first mortgage. It may enable an eligible borrower to access additional property equity without refinancing the entire first mortgage facility.

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Second mortgage loans in Brisbane may be used for:

• Business cash flow

• Stock and inventory

• Supplier payments

• Equipment purchases

• Business expansion

• Eligible ATO or creditor obligations

• Investment-related expenditure

• Development or construction costs

• Urgent commercial liabilities

• Short-term business opportunities

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The assessment generally considers the first mortgage balance, proposed second mortgage amount, available equity, combined LVR, loan purpose and repayment strategy.

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The first mortgage lender may need to provide consent or enter an appropriate priority arrangement. All existing mortgage and caveat interests must be disclosed.

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Bridging Loans Brisbane

A bridging loan provides temporary funding between two financial events.

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Brisbane bridging finance may be considered when:

• A new commercial or investment property must settle before another property is sold

• A contracted property sale has not yet settled

• A bank refinance will not be completed before an existing loan matures

• A business requires short-term capital pending a documented receipt

• A development requires temporary funding before project proceeds become available

• A construction project needs completion funding

• Longer-term finance has been approved but is not yet ready

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A bridging loan should have a clearly identified repayment event. This may be a property sale, completed refinance, development proceeds or another verifiable commercial receipt.

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Secured Business Loans Brisbane

A secured business loan uses eligible real estate as security for a genuine commercial funding requirement.

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Brisbane businesses may use secured finance for:

• Working capital

• Business expansion

• Stock or inventory

• Equipment acquisition

• Supplier payments

• Commercial property purchases

• Marketing and project expenditure

• Eligible business-related tax liabilities

• Short-term cash-flow gaps

• Refinancing expensive commercial debt

• Time-sensitive commercial opportunities

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Applications may be considered from companies, trusts, self-employed borrowers, investors, developers and other eligible commercial applicants.

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Property equity does not replace the need for a viable loan purpose and repayment strategy.

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Commercial Property Finance Brisbane

Private commercial property finance may assist eligible borrowers purchasing, refinancing or releasing equity from Brisbane commercial real estate.

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Potential security types include:

• Offices

• Retail premises

• Warehouses

• Industrial units

• Medical and professional suites

• Mixed-use buildings

• Development sites

• Commercial land

• Specialised properties assessed individually

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The assessment may consider the property’s value, location, condition, tenancy position, marketability, existing debt and proposed use of funds.

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Property Development Finance Brisbane

Brisbane and South East Queensland development activity includes townhouse projects, apartment developments, land subdivisions, mixed-use projects, industrial facilities and infill construction.

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Private property development finance may be considered for:

• Development-site acquisition

• Planning and professional expenses

• Construction funding

• Completing partially constructed projects

• Addressing verified cost overruns

• Refinancing an existing development facility

• Funding a project while completed stock is sold

• Releasing equity from completed developments

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Assessment may include:

• Current site value

• Gross realisation value

• Existing secured debt

• Development approvals

• Construction contracts

• Remaining project costs

• Contingency allowances

• Presales or other market evidence

• Developer and builder experience

• Quantity surveyor reporting

• Proposed repayment strategy

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Private finance cannot make an unviable project viable. The property, budget, remaining work and exit strategy must support the proposed facility.

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Construction Completion Loans Brisbane

A construction completion loan may assist when a Brisbane property project is partially completed but the existing facility is insufficient, delayed or approaching maturity.

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Funding may be considered for:

• Remaining building expenses

• Approved project variations

• Contractor or consultant payments

• Essential completion works

• Refinancing existing construction debt

• Costs required to reach completion or sale

• Short-term funding pending project receipts

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The lender may require information about the current construction stage, approvals, defects, remaining budget, existing liabilities, expected completion date and proposed exit.

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Residual Stock Finance Brisbane

Residual stock finance is secured against completed but unsold property held by a developer or investor.

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A Brisbane residual stock loan may help an eligible borrower:

• Refinance a construction facility

• Release capital from completed apartments or townhouses

• Pay outstanding project expenses

• Support cash flow during the sales period

• Avoid an unnecessarily rushed sales campaign

• Fund another eligible development or commercial opportunity

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Assurity Capital considers the completed properties, current debt, accepted value, marketability, sales evidence, requested leverage and repayment plan.

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Refinancing Private Lenders and Caveats in Brisbane

Private mortgages and caveat-related funding generally have fixed maturity dates. Borrowers should begin considering their refinance strategy well before the existing facility expires.

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Assurity Capital may consider refinancing:

• An expiring first mortgage

• A maturing second mortgage

• Eligible caveat-related finance

• A short-term commercial facility

• Development or construction debt

• Private finance that a bank cannot refinance in time

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The assessment generally considers the current payout figure, property value, mortgage priority, registered interests, arrears position, loan purpose and exit strategy.

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Leaving a refinance until immediately before maturity can reduce the available options and increase the risk of default interest, enforcement expenses or other costs.

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Private Loans for ATO and Creditor Payments

Property-secured finance may be considered for genuine business or investment-related ATO liabilities and creditor payments.

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This type of private business funding may provide time to:

• Address an urgent ATO obligation

• Pay critical suppliers

• Prevent disruption to business operations

• Complete a longer-term bank refinance

• Collect outstanding invoices

• Sell an asset

• Implement a business restructuring plan

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Borrowing to pay an existing liability does not eliminate the repayment obligation. A credible strategy for repaying the private loan remains essential.

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Does Private Lending Mean No-Doc or No Credit Check?

No. Private lending does not mean that finance is provided without an assessment, evidence or legal documentation.

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A private lender may use different criteria from a conventional bank and may place greater emphasis on the security property, loan purpose and exit strategy. However, legitimate due diligence is still required.

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Applicants may need to provide:

• Identification and borrowing-entity documents

• Security property details

• Existing mortgage and caveat statements

• Evidence supporting the loan purpose

• Company or trust documents

• Valuation information

• Construction or development documents

• Details of the proposed exit strategy

• Independent legal advice where required

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Previous credit issues or limited conventional financial documents may be considered within the overall application, but they are not automatically disregarded.

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Brisbane Property Factors That Can Affect Private Lending

The location and characteristics of a Brisbane security property can affect valuation, leverage and lender appetite.

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Relevant considerations may include:

• Flood or overland-flow exposure

• Property access and marketability

• Zoning and permitted use

• Existing improvements

• Building condition

• Development approvals

• Construction status

• Tenancy arrangements

• Comparable sales evidence

• Insurance availability

• Local market depth

• Time reasonably required to sell or refinance

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Brisbane City Council provides property-specific flood information through its Flood Awareness Map. A lender, valuer or insurer may require further information where a property has identified flood exposure.

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Not every Brisbane property will be suitable security for a private loan.

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What Properties Can Secure a Brisbane Private Loan?

Depending on the application and lending criteria, eligible security may include:

• Residential investment property

• Commercial property

• Industrial property

• Development sites

• Vacant land

• Completed development stock

• Mixed-use property

• Regional or specialised assets assessed individually

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Owner-occupied residential property cannot be used to obtain consumer-purpose finance from Assurity Capital.

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How Much Can I Borrow From a Private Lender in Brisbane?

Assurity Capital considers private loan requests from $50,000 to $5 million and above.

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The amount available depends on:

• The accepted property value

• Property type and location

• Existing mortgages and caveats

• Required mortgage priority

• Total LVR

• Loan purpose

• Proposed term

• Interest arrangements

• Finance costs

• Exit strategy

• Overall transaction risk

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A high property value does not automatically mean the requested loan amount will be approved.

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How Does LVR Work in Private Lending?

Loan-to-value ratio, or LVR, compares the debt secured against a property with its accepted value.

For example, if a Brisbane property is valued at $1.5 million and the total secured debt is $900,000, the LVR is 60%.

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For a second mortgage, the combined LVR includes the existing first mortgage and the proposed second mortgage.

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Lower leverage can strengthen an application, but LVR is not the only assessment factor.

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How Are Private Lending Rates and Fees Determined?

There is no universal interest rate for Brisbane private loans.

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Pricing can depend on:

• Loan amount

• Mortgage priority

• Property type and location

• LVR

• Loan purpose

• Proposed term

• Interest-servicing arrangement

• Transaction urgency

• Exit strategy

• Overall risk

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Borrowers should consider the complete facility cost, including interest, establishment fees, valuation expenses, legal costs, discharge fees, default provisions and early-repayment conditions.

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Why Is an Exit Strategy Important?

An exit strategy explains how the private loan will be repaid by its maturity date.

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Common exit strategies include:

• Selling the security property

• Refinancing to a bank or another lender

• Selling another property or business asset

• Receiving proceeds from completed development stock

• Completing construction and obtaining longer-term finance

• Receiving documented commercial proceeds

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The proposed exit must be specific, credible and achievable within the loan term. A vague expectation that property values will rise is not a complete exit strategy.

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Who Assurity Capital Works With in Brisbane

Assurity Capital considers eligible enquiries from:

• Business owners

• Property investors

• Commercial property owners

• Property developers

• Builders

• Self-employed borrowers

• Companies and trusts

• Mortgage and finance brokers

• Accountants

• Solicitors and conveyancers

• Professional advisers

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Brokers and advisers may submit an initial scenario for assessment on behalf of an eligible client.

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Private Lending Across Greater Brisbane

Assurity Capital considers eligible private mortgage and property-secured business finance applications across Greater Brisbane.

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Brisbane CBD and Inner City

Coverage includes Brisbane CBD, Spring Hill, Fortitude Valley, New Farm, Teneriffe, Kangaroo Point, South Brisbane, West End, Milton and surrounding inner-city locations.

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Brisbane Northside

Applications may be considered in Chermside, Kedron, Nundah, Northgate, Clayfield, Ascot, Hamilton, Everton Park, Albany Creek and surrounding northern suburbs.

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Brisbane Southside

Coverage may include Woolloongabba, Coorparoo, Greenslopes, Holland Park, Mount Gravatt, Carindale, Sunnybank, Eight Mile Plains and surrounding southern suburbs.

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Brisbane Western Suburbs

Eligible scenarios may be considered in Toowong, Indooroopilly, Taringa, St Lucia, Chapel Hill, Kenmore, Jindalee and surrounding western areas.

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Brisbane Bayside

Coverage may include Wynnum, Manly, Lota, Cleveland, Capalaba, Redland Bay and other eligible bayside locations.

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Logan, Ipswich and Greater Brisbane Growth Areas

Assurity Capital may also consider applications in Logan, Springwood, Underwood, Springfield, Ipswich, North Lakes, Redcliffe, Caboolture and surrounding growth areas.

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Every location and property is assessed individually.

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How the Brisbane Private Lending Process Works

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1. Submit Your Scenario

Provide the requested amount, loan purpose, security property address, estimated value, existing debt, required timeframe and exit strategy.

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2. Initial Assessment

Assurity Capital reviews the property, purpose, mortgage position, leverage, risks and repayment plan.

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3. Indicative Terms

If the application appears suitable, indicative terms may outline the proposed loan amount, interest, fees, security, term and conditions.

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Indicative terms do not constitute final approval.

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4. Due Diligence and Valuation

The relevant property, title, valuation and supporting transaction documents are reviewed.

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5. Legal Documentation

Approved facilities are documented by the relevant legal representatives. Borrowers should obtain independent legal advice.

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6. Settlement

Settlement can occur after all approval conditions, legal documents and security requirements have been completed.

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Timing depends on the valuation, supporting information, legal process and transaction complexity. Settlement timeframes are not guaranteed.

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Frequently Asked Questions About Private Lenders Brisbane

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What is a private lender in Brisbane?

A private lender provides finance outside the conventional major-bank process. Private loans are commonly secured by property and structured for eligible business, investment or commercial purposes.

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Is Assurity Capital a private lender?

Yes. Assurity Capital is an Australian non-bank private lender providing property-secured finance for eligible business, investment and commercial purposes.

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Does Assurity Capital lend throughout Brisbane?

Assurity Capital considers eligible applications across Brisbane CBD, North Brisbane, South Brisbane, Brisbane Bayside, the western suburbs, Logan, Ipswich, Moreton Bay and surrounding areas.

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How much can I borrow from a Brisbane private lender?

Assurity Capital considers private loans from $50,000 to $5 million and above. The available amount depends on the property, existing debt, mortgage position, LVR, purpose and exit strategy.

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Can I apply after being declined by a bank?

Yes, an application may still be considered. A bank decline does not guarantee approval. The security, purpose, leverage, risks and exit strategy must meet Assurity Capital’s criteria.

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Can self-employed borrowers apply?

Eligible self-employed borrowers may apply for property-secured business, investment or commercial finance. Documentation requirements depend on the transaction.

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Can I get a second mortgage without refinancing my bank loan?

Potentially. A second mortgage may allow an eligible borrower to retain the first mortgage while accessing additional property equity. The first mortgage, available equity, combined LVR and lender requirements must be assessed.

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Are bridging loans available in Brisbane?

Assurity Capital may consider bridging finance for eligible property purchases, sales, refinancing, development completions and other time-sensitive business or investment transactions.

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Can a private lender refinance a caveat loan?

Eligible caveat-related finance may be considered for refinancing. The payout amount, registered interests, property value, purpose and exit strategy must be assessed.

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Do Brisbane private lenders provide no-doc loans?

Documentation requirements may be different from those used by banks, but legitimate private lending still requires assessment and due diligence. Requirements depend on the borrower, property, purpose and exit.

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What interest rates do private lenders charge?

Rates and fees depend on the loan amount, security, mortgage priority, LVR, purpose, term, exit strategy and overall risk. Borrowers should compare the complete cost of the facility.

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Does Assurity Capital provide owner-occupied home loans?

No. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans. Finance is for eligible business, investment and commercial purposes only.

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How do I apply for a Brisbane private loan?

Provide the requested loan amount, purpose, property address, estimated value, existing secured debt, required settlement date and proposed exit strategy.

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Speak With a Brisbane Private Lending Specialist

If you require a Brisbane private lender for a first mortgage, second mortgage, bridging loan, secured business loan, development facility or private-loan refinance, contact Assurity Capital.

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For an initial assessment, provide:

• Requested loan amount

• Loan purpose

• Security property address

• Estimated property value

• Existing mortgage and caveat balances

• Required settlement date

• Proposed repayment or exit strategy

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Phone: 02 9389 1077

Email: scenario@assuritycapital.com.au

Submit Your Brisbane Private Lending Scenario

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All finance is subject to assessment, acceptable security, lending criteria, valuation where required, legal documentation and final approval. Rates, fees and terms depend on the individual transaction.