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Private Lenders Canberra ACT for Property-Secured Finance

Assurity Capital is an Australian non-bank private lender providing property-secured finance throughout Canberra and the Australian Capital Territory.

We consider private loan requests from $50,000 to $5 million and above for eligible business, investment and commercial purposes.

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

Assurity Capital works with Canberra business owners, property investors, developers, self-employed borrowers, companies, trusts, mortgage brokers, accountants and solicitors.

Business, investment and commercial purposes only. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans.

Discuss Your Canberra Lending Scenario

Call Assurity Capital on 02 9389 1077 or submit your funding requirements online.

For an initial assessment, tell us:

How much you need
What the funds will be used for
The security property address
The estimated property value
The existing secured debt
When funding is required
How the loan will be repaid

Private Lending in Canberra: The Quick Answer

Private lending in Canberra is non-bank finance commonly secured against an eligible ACT property interest.

Compared with a conventional bank, a private lender may place greater emphasis on the security property, total secured debt, mortgage priority, loan purpose, required timing and repayment strategy.

Private lending can provide an alternative where a commercially supportable transaction does not fit standard bank policy or cannot be completed within a bank’s timeframe.

It is not automatic or “no-check” finance. Every application remains subject to appropriate due diligence, acceptable security, lending criteria, legal documentation and final approval.

Assurity Capital ACT Lending at a Glance

Lender: Assurity Capital
Lender type: Australian non-bank private lender
Service area: Canberra and eligible locations throughout the ACT
Loan requests: From $50,000 to $5 million and above
Purposes: Eligible business, investment and commercial purposes
Security: Eligible ACT investment, commercial, industrial, mixed-use and development property
Structures: First mortgages, second mortgages, bridging loans, secured business finance, commercial property finance, development funding and refinancing
Experience: More than 20 years
Transactions completed: More than 1,500
Capital funded: More than $875 million
Assessment: Security property, Crown lease, accepted value, existing debt, mortgage priority, LVR, purpose, term and exit strategy
Approval: Subject to lending criteria, due diligence, acceptable security, legal documentation and final approval

Private Lending Solutions in Canberra

First Mortgage Private Loans Canberra

A first mortgage gives the lender first-ranking registered security over the borrower’s eligible property interest.

First mortgage private loans in Canberra may be considered for:

Purchasing commercial property
Purchasing investment property
Business working capital
Business expansion
Development-site acquisition
Refinancing existing secured debt
Construction expenditure
Urgent commercial settlements
Eligible commercial debt consolidation
Releasing property equity for a business purpose

The assessment may include the ACT Crown lease, title and registered interests, accepted property value, proposed loan-to-value ratio, permitted property use, funding purpose and repayment strategy.

Explore First Mortgage Loans

Second Mortgage Loans Canberra

A second mortgage is registered behind an existing first mortgage.

It may allow an eligible Canberra property owner to access additional equity for a genuine business or investment purpose without refinancing the entire first mortgage facility.

Second mortgage finance may be considered for:

Business cash flow
Stock and inventory purchases
Equipment purchases
Supplier payments
Business expansion
Eligible business-related tax obligations
Commercial creditor payments
Development costs
Construction completion
Investment-related expenditure
Time-sensitive commercial opportunities

The lender generally considers the existing first mortgage, proposed second mortgage, available equity, combined LVR, Crown leasehold interest, loan purpose and exit strategy.

The first mortgage lender may need to consent or enter an appropriate priority arrangement. Every existing mortgage, caveat and registered interest must be disclosed.

Explore Second Mortgage Loans

Bridging Loans Canberra

A bridging loan provides temporary property-secured finance between two transactions or repayment events.

Canberra bridging finance may be considered when:

A commercial or investment property must settle before another property is sold
A contracted property sale has not yet completed
A bank refinance will not be ready before an existing facility matures
A development requires temporary funding pending project proceeds
A construction project requires short-term completion funding
Longer-term finance is being arranged
A business must complete a time-sensitive property transaction
An urgent commercial opportunity cannot wait for a conventional bank process

A bridging-loan exit strategy should explain exactly how the facility will be repaid.

The exit might involve a property sale, completed bank refinance, receipt of development proceeds, settlement of residual stock or another documented commercial payment.

Explore Bridging Loans

Secured Business Loans Canberra

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

Canberra business owners may seek property-secured finance for:

Working capital
Business expansion
Stock or inventory
Equipment acquisition
Supplier payments
Commercial property purchases
Professional and project expenses
Eligible business-related ATO liabilities
Short-term cash-flow requirements
Refinancing commercial debt
Time-sensitive business opportunities

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

Having sufficient property equity does not automatically establish eligibility. Assurity Capital also assesses the loan purpose, existing debt, requested term, interest arrangement and proposed exit strategy.

Explore Secured Business Loans

Commercial Property Finance Canberra

Canberra’s commercial property market includes offices, retail premises, professional suites, industrial property, mixed-use buildings and properties occupied by government and private-sector tenants.

Private commercial property finance may be considered for:

Commercial property acquisition
Refinancing an existing commercial mortgage
Releasing property equity for an eligible business purpose
Urgent settlement funding
Short-term investment finance
Commercial property improvements
Bridging an acquisition to longer-term finance

The property assessment may include:

Crown lease conditions
Permitted property use
Property location
Existing and proposed tenancies
Lease-expiry profiles
Tenant concentration
Property condition
Accepted property value
Marketability
Existing secured debt
Proposed repayment strategy

The presence of a government or private-sector tenant does not automatically determine approval or property value. Assurity Capital considers the complete property and transaction.

Property Development Finance Canberra

Private property development finance may be considered for eligible Canberra apartment, townhouse, mixed-use, commercial, industrial and land-development projects.

Potential funding requirements include:

Development-site acquisition
Planning and professional expenses
Approved construction costs
Completion of partially constructed projects
Verified construction cost overruns
Refinancing an existing development facility
Short-term funding pending sales
Releasing equity from completed development stock

A development finance assessment may consider:

The ACT Crown lease and permitted use
Development approvals
Current site value
Gross realisation value
Existing secured debt
Borrower equity
Construction contract
Current construction progress
Remaining costs
Contingency allowance
Presales or other market evidence
Developer and builder experience
Quantity-surveyor reporting
Proposed development exit

Private finance cannot make an unviable project viable. The project, remaining budget, borrower contribution and repayment strategy must support the requested facility.

Construction-Completion Loans ACT

A construction-completion loan may assist where an ACT development is partly completed but the existing finance is insufficient, delayed or approaching maturity.

Funding may be considered for:

Remaining construction costs
Approved variations
Contractor and consultant payments
Essential completion works
Refinancing existing construction debt
Costs required to reach practical completion
Short-term finance pending project proceeds

Assurity Capital may require evidence of the current construction stage, approvals, remaining costs, existing liabilities, completion program, contingency and exit strategy.

Residual-Stock Finance Canberra

Residual-stock finance allows an eligible developer or investor to borrow against completed but unsold property.

A residual-stock loan may assist with:

Refinancing a construction facility
Releasing equity from completed apartments or townhouses
Paying outstanding project expenses
Supporting cash flow while stock is sold
Avoiding an unnecessarily rushed sale campaign
Funding another eligible commercial or development opportunity

The assessment may include the completed property value, remaining stock, existing debt, sales evidence, property marketability and proposed repayment strategy.

Refinancing Private Loans and Caveats in the ACT

Private loans and caveat-related facilities normally have specified maturity dates. Borrowers should consider their refinance strategy before the existing facility expires.

Assurity Capital may consider refinancing:

An expiring first mortgage
A maturing second mortgage
Eligible caveat-related finance
Short-term commercial finance
Development debt
Construction debt
A private loan that cannot be refinanced by a bank within the required timeframe

The assessment generally includes the current payout amount, Crown leasehold security, registered interests, accepted property value, arrears position, loan purpose and exit strategy.

Waiting until immediately before maturity can reduce the available options and increase the risk of default interest, legal expenses or enforcement costs.

Explore Private-Lender and Caveat Refinancing

Why ACT Crown Leases Matter to Private Lenders

Most ACT land is held through a Crown lease rather than conventional freehold ownership.

A person purchasing an ACT property generally acquires the rights granted under the property’s Crown lease. For private lending in Canberra, the lender and valuer need to understand the precise leasehold interest being offered as security.

Depending on the property and transaction, the assessment may include:

The registered Crown lease
The remaining lease period
The permitted purpose or use
Conditions affecting occupation or development
Registered mortgages and other interests
Whether the present property use is authorised
Relevant Crown lease variations
Development-related obligations
Property marketability
The proposed use of the loan funds

ACT Crown leasehold does not automatically make a property unsuitable as mortgage security.

It means the lender must understand the rights, restrictions and obligations attached to the property interest and whether that interest supports the proposed transaction.

Borrowers should obtain independent ACT legal advice regarding the Crown lease, proposed mortgage and other security documents.

Why Canberra Borrowers Use Private Lending

Canberra borrowers may consider private finance when they need to complete a defined transaction within a limited timeframe or when a viable scenario does not satisfy conventional bank policy.

Common funding requirements include:

Purchasing commercial property
Purchasing investment property
Completing an urgent property settlement
Refinancing an expiring mortgage
Refinancing a maturing private loan
Replacing eligible caveat-related finance
Accessing property equity for business purposes
Funding business working capital
Paying eligible business-related ATO obligations
Addressing urgent commercial creditors
Acquiring a development site
Completing a delayed construction project
Releasing equity from completed development stock
Bridging a property purchase and sale
Consolidating eligible business or investment debt

A bank decline does not guarantee private-loan approval.

Assurity Capital must still be satisfied with the property security, loan purpose, leverage, risks and exit strategy.

Who May Apply for Private Lending in Canberra?

Assurity Capital may consider eligible scenarios from:

Canberra business owners
Self-employed borrowers
Companies
Trusts
Commercial property owners
Property investors
Property developers
Builders
Professional-service businesses
Mortgage and finance brokers
Accountants
Solicitors presenting a client’s transaction

Non-standard income or a previous credit issue may be considered as part of the complete scenario, but it is not automatically ignored.

The transaction must still have an eligible purpose, acceptable security and a commercially credible repayment strategy.

Does Private Lending Mean No-Doc Finance?

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

Private lenders may use different assessment criteria from conventional banks and may place greater emphasis on the property, loan purpose and exit strategy.

However, appropriate due diligence is still required.

An ACT applicant may need to provide:

Identification documents
Company or trust documents
Crown lease and title information
Existing mortgage statements
Details of caveats and other registered interests
Evidence supporting the loan purpose
Property valuation information
Construction or development documents
Current payout figures
Details supporting the exit strategy
Independent legal advice where required

The precise requirements depend on the proposed transaction.

What Canberra Properties May Be Considered as Security?

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

Residential investment property
Commercial offices
Retail property
Industrial property
Professional or medical suites
Mixed-use property
Development sites
Vacant land
Completed development stock

Every property is assessed individually.

Property use, Crown lease conditions, remaining lease term, accepted value, location and marketability can affect the loan amount and terms available.

How Much Can I Borrow From a Canberra Private Lender?

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

The amount available depends on:

Accepted property value
Crown leasehold interest
Property type and location
Existing mortgages and caveats
Required mortgage priority
Total loan-to-value ratio
Loan purpose
Proposed term
Interest and fee arrangements
Exit strategy
Overall transaction risk

Property value alone does not determine borrowing capacity.

How Does LVR Work for ACT Private Loans?

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

For example, if a Canberra commercial property has an accepted value of $2 million and the total proposed secured debt is $1.2 million, the LVR is 60%.

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

A lower LVR may strengthen an application, but the lender must still assess the Crown lease, property, loan purpose and exit strategy.

Private Lending Rates and Fees in Canberra

There is no single interest rate applying to every Canberra private loan.

Rates and fees may depend on:

Loan amount
Mortgage priority
Security property
Crown leasehold interest
Property location and marketability
LVR
Loan purpose
Proposed term
Interest-servicing method
Transaction complexity
Exit strategy
Overall lending risk

Borrowers should consider the complete facility cost rather than only the advertised interest rate.

Depending on the transaction, costs may include:

Interest
Establishment or line fees
Valuation expenses
Legal costs
Discharge fees
Default-interest provisions
Early-repayment conditions

The final rates, fees and repayment obligations must be set out in the formal loan documents.

Why Is an Exit Strategy Essential?

An exit strategy explains how the private loan will be repaid at or before maturity.

Common exit strategies include:

Sale of the security property
Refinance to a bank or another lender
Sale of another property or business asset
Settlement of completed development stock
Construction completion followed by longer-term finance
Receipt of documented commercial proceeds

A credible exit strategy should be specific, supported by evidence and achievable within the proposed loan term.

Simply stating that the property will eventually be sold or refinanced may not be sufficient without a realistic timeframe and supporting information.

How the Canberra Private Lending Process Works

1. Submit the Lending Scenario

Provide the requested amount, loan purpose, applicant details, ACT property address, estimated value, existing secured debt, required timeframe and proposed exit strategy.

2. Initial Assessment

Assurity Capital considers whether the purpose, security, leverage, term and proposed exit appear to fit its lending criteria.

An initial discussion or indication is not final approval.

3. Property and Crown Lease Review

Relevant property, valuation, title, Crown lease and registered-interest information is reviewed.

Additional reports may be required for commercial, construction or development property.

4. Indicative Terms

If the scenario progresses, indicative terms may outline the proposed amount, term, interest, fees, security and conditions.

Indicative terms remain subject to due diligence and final approval.

5. Due Diligence and Legal Documentation

The borrower provides the required supporting information. The relevant security and loan documents are then prepared and reviewed.

Independent legal advice may be required.

6. Final Approval and Settlement

Once all conditions are satisfied and final approval is issued, the facility may proceed to settlement.

Settlement timing cannot be guaranteed before due diligence, documentation and approval have been completed.

7. Managing the Exit

The borrower should monitor the agreed repayment strategy throughout the loan term and begin any sale or refinance process well before maturity.

Private Lending Across Canberra and the ACT

Assurity Capital considers eligible property-secured business, investment and commercial lending applications throughout Canberra and the ACT.

Canberra City and Inner North

Coverage includes Civic, Braddon, Turner, O’Connor, Dickson, Lyneham, Campbell and surrounding locations.

Inner South Canberra

Applications may be considered in Barton, Kingston, Griffith, Deakin, Yarralumla, Narrabundah, Fyshwick and surrounding locations.

Belconnen

Coverage may include Belconnen, Bruce, Macquarie, Jamison, Kaleen, Florey and nearby suburbs.

Gungahlin

Eligible scenarios may be considered in Gungahlin, Franklin, Harrison, Mitchell, Amaroo, Casey, Taylor and surrounding areas.

Woden Valley and Weston Creek

Coverage may include Woden, Phillip, Curtin, Garran, Mawson, Weston, Wright, Coombs and nearby suburbs.

Tuggeranong and Southern Canberra

Applications may be considered in Tuggeranong, Greenway, Kambah, Hume and surrounding southern ACT locations.

Queanbeyan, Googong, Yass and Bungendore are located in New South Wales. Property in those locations is assessed as NSW security rather than ACT security.

Frequently Asked Questions

What is a private lender in Canberra?

A private lender provides finance outside the conventional major-bank lending process. Private loans are commonly secured against property and structured for a specific business, investment or commercial purpose.

A private lender may consider the property security, mortgage priority, LVR, funding purpose, required term and repayment strategy rather than relying solely on standard bank servicing criteria.

Is Assurity Capital a private lender or a finance broker?

Assurity Capital is an Australian non-bank private lender.

A finance broker generally introduces or submits a borrower’s application to third-party lenders. A private lender provides or manages finance under its applicable lending criteria.

Borrowers should understand the identity of the lender, which entity will hold the mortgage, whether an introducer is involved, the proposed mortgage ranking, all rates and fees, net settlement proceeds and repayment obligations.

Can I get a private loan after a bank decline?

Possibly.

Private lenders may use different assessment criteria and can place greater weight on the property security, commercial purpose and exit strategy.

However, a bank decline does not create automatic private-loan approval. The complete transaction must still meet Assurity Capital’s lending criteria.

Can self-employed borrowers apply?

Eligible self-employed borrowers may apply for property-secured finance for a genuine business, investment or commercial purpose.

Assurity Capital may assess the complete scenario differently from a conventional bank, but supporting information and appropriate due diligence are still required.

Does private lending mean no credit check?

No.

Private lending does not mean that credit history, existing liabilities or previous repayment issues are automatically ignored. These matters may be assessed as part of the complete transaction.

How quickly can a Canberra private loan settle?

Settlement timing depends on the completeness and complexity of the application, property valuation, Crown lease and title review, existing registered interests, legal documentation and satisfaction of all approval conditions.

Urgent applications can be assessed, but a settlement date should not be treated as guaranteed before due diligence and final approval are complete.

Can I use property equity for business purposes?

Eligible Canberra property owners may be able to access property equity for working capital, business expansion, stock, supplier payments, eligible tax liabilities or another genuine commercial purpose.

The available amount depends on the accepted property value, existing debt, proposed mortgage position, total LVR and exit strategy.

Can I use ACT property equity to pay ATO debt?

Property-secured finance may be considered for eligible business-related ATO obligations.

Assurity Capital must be satisfied with the business purpose, security property, total debt, LVR and repayment strategy. Consumer-purpose debt falls outside Assurity Capital’s stated lending scope.

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

Potentially.

A second mortgage may allow an eligible borrower to access additional equity without replacing the existing first mortgage.

The first mortgage lender may need to consent or enter a priority arrangement. The combined debt, available equity and exit strategy must remain acceptable.

Can Assurity Capital refinance an existing private loan?

Assurity Capital may consider refinancing an eligible maturing private mortgage, caveat-related facility, development loan, construction facility or other short-term commercial debt.

The current payout, property value, registered interests, arrears position, loan purpose and proposed exit will be assessed.

What is a credible exit strategy?

A credible exit strategy explains precisely how and when the private loan will be repaid.

It may involve a property sale, bank refinance, development-stock settlement, construction completion followed by longer-term finance or receipt of documented commercial proceeds.

The exit should be supported, realistic and achievable within the requested term.

Can interest be paid monthly or added to the loan?

The available interest arrangement depends on the approved transaction.

Some facilities may require regular interest payments. Others may permit an approved interest reserve or capitalised interest.

Capitalising interest increases the total secured debt, reduces the borrower’s net proceeds and affects the LVR.

Does Assurity Capital offer private home loans in Canberra?

No.

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

What should I provide for an initial assessment?

Provide:

Requested loan amount
Loan purpose
Applicant or borrowing entity
ACT security property address
Property type
Estimated property value
Existing mortgages and caveats
Required settlement date
Proposed repayment strategy

For a development scenario, also provide the approval status, current project stage, construction costs, remaining costs and expected project exit.

Discuss Your Canberra Private Lending Scenario

If you require property-secured finance for an eligible business, investment or commercial purpose, provide Assurity Capital with the essential transaction details.

A clear initial submission allows our team to assess whether the scenario may fit our lending criteria and identify the information required for the next step.

Call: 02 9389 1077
Email: scenario@assuritycapital.com.au

Submit Your Canberra Lending Scenario

All finance is subject to assessment, acceptable security, lending criteria, due diligence, legal documentation and final approval.

Important Information

Information on this page is general in nature and does not take into account your individual objectives, financial situation or needs.

Finance is available only for eligible business, investment and commercial purposes and is subject to assessment, acceptable security, lending criteria, valuation where required, due diligence, legal documentation and final approval.

Rates, fees, terms, loan amounts and timeframes depend on the individual transaction. An enquiry, initial discussion or indicative term sheet does not constitute final approval.

Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans.

Borrowers should obtain independent legal, financial and tax advice.