Partner With Assurity Capital

Private Lending Solutions for Mortgage Brokers, Accountants, Lawyers and Professional Referrers

Assurity Capital partners with mortgage brokers, commercial brokers, financial advisers, accountants, lawyers, buyers’ agents and other professional referrers across Australia to help solve eligible private-lending scenarios for their clients.

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We provide property-secured private finance for genuine business, investment, commercial and development purposes. Our focus is on the security property, total debt position, purpose of funds and a clear repayment or exit strategy—particularly where bank timing, policy or documentation requirements do not fit the transaction.

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Assurity Capital considers first mortgages, second mortgages, bridging finance, secured business loans, private-loan refinance, residual stock finance, development-related funding and urgent settlement scenarios from $50,000 to $5,000,000 and above, subject to assessment.

This is non-consumer lending only. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans. Whether a loan falls outside the National Consumer Credit Protection framework depends on the individual transaction and must be confirmed as part of the assessment and documentation process.

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Why Brokers and Professional Referrers Partner With Assurity Capital

Private lending is often relevant when a client has a time-sensitive, complex or non-standard property-backed funding requirement. A broker’s role is strengthened when they can identify whether a scenario has the core elements of a credible private-lending submission: suitable security, a genuine business or investment purpose, clear funding requirement and realistic exit plan.

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Assurity Capital works with referrers on scenarios where a mainstream lender may be too slow, restrictive or unable to assess the transaction within the required timeframe.

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Partners choose to work with Assurity Capital because we provide:

• Direct access to experienced decision-makers

• Clear communication throughout assessment, documentation and settlement

• Private lending for eligible first and second mortgage scenarios

• Australia-wide consideration of suitable security

• A focus on the property, total debt position, purpose and exit strategy

• Competitive upfront and trail commission arrangements, with payment subject to the applicable referrer agreement and settlement

• Ongoing support for repeat private-lending scenarios

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Every loan is subject to assessment, acceptable security, lender criteria, fees, legal documentation and approval.

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Private Lending Products for Referred Scenarios

Assurity Capital considers a range of property-secured private finance solutions for eligible business, investment and commercial purposes.

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First Mortgage Private Loans

A first mortgage is first in priority over the security property. It may be relevant for a private-loan refinance, commercial acquisition, investment purpose, development scenario, urgent settlement or business funding requirement where existing debt is repaid at settlement or no prior mortgage remains.

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Second Mortgage Private Loans

A second mortgage sits behind an existing first mortgage. It may allow an eligible borrower to access available equity without necessarily refinancing the first mortgage.

Second mortgages can be relevant for working capital, business expansion, creditor payments, commercial opportunities, deposit funding, private-loan refinance and time-sensitive investment scenarios. The combined debt position, security ranking and exit strategy are central to assessment.

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Bridging Finance

Bridging finance is short-term property-secured funding used to bridge an immediate requirement and an expected future repayment event. This may include a property sale, refinance, settlement, development completion or another documented source of funds.

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Secured Business Loans

Property-secured business finance may be considered for eligible working capital, stock, supplier payments, business expansion, equipment, acquisition, commercial property and urgent business requirements.

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Private Loan and Caveat Refinance

A private loan or caveat refinance may be considered where a client has an expiring private loan, caveat, second mortgage or other short-term facility that needs to be paid out before a sale, settlement or longer-term refinance occurs.

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Residual Stock and Development Finance

Residual stock finance may be relevant for completed but unsold residential, commercial or mixed-use development stock. Development and project-related finance is assessed on the property, current debt, project status, marketability and credible exit plan.

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Lending Parameters at a Glance

Assurity Capital considers private lending scenarios with the following broad parameters:

• Loan types: First mortgages and second mortgages

• Loan size: $50,000 to $5,000,000 and above, subject to assessment

• Location: Australia-wide

• Security: Residential investment, commercial, mixed-use, development sites, vacant land and other acceptable Australian real estate

• Loan-to-value ratio: Up to 70% may be considered on a case-by-case basis

• Purpose: Genuine business, investment, commercial and development purposes

• Regulation: Non-consumer purpose lending only; regulatory treatment is determined by the individual transaction

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The above is a guide, not an offer of credit. Security type, location, current value, existing debt, ranking, borrower structure, purpose, loan term and exit strategy may require a lower LVR or different structure.

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Common Broker and Referrer Scenarios

Assurity Capital may be able to assess scenarios such as:

• A client with non-standard income requiring property-secured business or investment finance

• An urgent refinance of a private loan, caveat or business facility

• A borrower requiring more time to sell a property or complete a longer-term refinance

• A second mortgage to access property equity without replacing an existing first mortgage

• Bridging finance for a purchase, sale, settlement or refinance event

• A developer needing to refinance completed but unsold residual stock

• A business owner seeking working capital, stock, supplier or expansion funding

• A client with eligible ATO liabilities, creditor payments or business debt requiring a structured refinance solution

• A commercial or investment property acquisition with a defined settlement deadline

• A borrower with an acceptable exit strategy but a transaction that does not fit bank policy or timing

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The strongest private-lending referrals are not simply urgent. They have a specific purpose, acceptable security, a complete debt position and a credible exit.

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How to Assess Whether a Client Scenario May Fit

Before submitting a private-lending scenario, brokers and referrers should establish five core facts.

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1. What is the exact funding purpose?

The use of funds should be specific. For example: pay out a private lender, settle a commercial purchase, fund a business acquisition, address an eligible ATO liability, complete development works or bridge a property sale.

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“Working capital” alone is not enough without understanding what the funds will be used for and how they will support the business or investment strategy.

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2. What property is available as security?

Provide the property address, type, estimated value, ownership structure, current mortgage balances and any caveats or registered interests. The lender assesses the security property and the total debt against it—not simply the new loan amount.

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3. How much is required, and by when?

Confirm the exact amount required, the settlement date or urgency, and whether the loan proceeds must pay out another lender, creditor, ATO liability, purchase contract or other obligation.

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4. What is the existing debt position?

Identify all existing mortgages, caveats, private loans and creditor liabilities that need to be considered. For a refinance, obtain a formal payout figure from the current lender wherever possible.

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5. What is the exit strategy?

The exit strategy explains how the loan will be repaid at or before maturity. Common exits include property sale, refinance to a bank or longer-term lender, settlement of a transaction, completed-stock sales, business income or another documented capital event.

A clear exit strategy is essential. It should be realistic, evidence-based and achievable within the proposed loan term.

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How to Submit a Scenario to Assurity Capital

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Send the Core Details

Email your scenario to scenario@assuritycapital.com.au.

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Include:

• Borrower, company or trust name

• Required loan amount

• Purpose of funds

• Property-security address and type

• Estimated value and existing debt

• Details of current mortgages, caveats or private lenders

• Required settlement date

• Proposed exit strategy

• Relevant contracts, payout figures, valuations or supporting documents

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Initial Assessment and Indicative Terms

Assurity Capital reviews the security, debt position, purpose and exit strategy. Where a scenario appears workable, we may provide indicative terms or request further information required for assessment.

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Indicative terms are not a loan approval. They remain subject to due diligence, valuation, legal documentation, lender criteria and formal approval.

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Documentation and Settlement

Once a facility progresses, the required valuation, legal, security and loan documentation steps are completed. We keep the referrer informed as the scenario moves through assessment and settlement.

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Settlement timeframes vary based on property, valuation, existing lenders, title, legal documentation, conditions and the responsiveness of all parties. No settlement timeframe should be assumed or promised before the transaction is assessed.

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Commission and Ongoing Partnership

Assurity Capital offers competitive upfront and trail commission arrangements to eligible referrers, subject to the applicable agreement and the relevant loan settling. Speak with the team when submitting a scenario to discuss the applicable referral structure.

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Private Lending: Important Risk Considerations

Private lending can be useful for the right business, investment or commercial scenario, but it carries risk. Loans may be shorter-term and cost more than mainstream bank finance. Interest, fees, legal costs, valuation costs, loan maturity dates and default provisions must all be understood before a borrower proceeds.

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When property is used as security, failure to repay can place that property at risk. A private loan should not be used simply to delay an unsustainable debt problem. The borrower should understand the facility terms and seek independent legal, financial, accounting or tax advice where appropriate.

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Partner With Assurity Capital

If you are a mortgage broker, financial adviser, accountant, lawyer or professional referrer with an eligible private-lending scenario, Assurity Capital can assess the property security, funding purpose, debt position and exit strategy.

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For broker registration or an active scenario, email scenario@assuritycapital.com.au.

Finance is subject to assessment, acceptable security, genuine business, investment or commercial purpose, lender criteria, fees, legal documentation and approval.

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Frequently Asked Questions

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What types of private loans can Assurity Capital consider?

Assurity Capital considers eligible first mortgages, second mortgages, bridging finance, secured business loans, private-loan refinance, caveat refinance, residual stock finance, development-related finance and urgent settlement funding.

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What is the minimum private-loan amount?

Assurity Capital considers property-secured finance from $50,000, subject to assessment.

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Does Assurity Capital lend Australia-wide?

Yes. Assurity Capital considers eligible property-secured business, investment, commercial and development scenarios throughout Australia.

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Can a broker submit a private-loan scenario before all documents are available?

Yes. Send the core scenario details first: loan amount, purpose, security address, estimated value, existing debt, required timing and exit strategy. Assurity Capital can then identify the additional information needed for assessment.

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Can Assurity Capital refinance a caveat or maturing private loan?

Potentially. Refinance may be considered for an eligible client with an expiring private loan, caveat or second mortgage, subject to security, total debt, payout figures and a credible exit strategy.

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Can a client use property equity without refinancing their first mortgage?

Potentially. A second mortgage may be considered where there is sufficient equity and the existing first-mortgage position, total debt and exit strategy are acceptable.

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How quickly can private finance settle?

Timeframes vary according to the security, title, valuation, existing lender payout, legal documentation, borrower structure and conditions. Assurity Capital reviews each scenario promptly, but no approval or settlement timeframe is guaranteed.

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Are Assurity Capital loans regulated under the NCCP Act?

Assurity Capital considers non-consumer purpose lending for genuine business, investment, commercial and development purposes. The regulatory treatment of any loan depends on its individual purpose, structure and documentation.