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First Mortgage Private Loans – Fast, Flexible, and Tailored to Your Needs

At Assurity Capital, we specialise in providing private first mortgage loans to borrowers across Australia who need fast, reliable access to capital. Whether you’re purchasing, refinancing, or funding a project, our first mortgage solutions are designed for speed, flexibility, and competitive terms.

We understand that traditional bank processes can be slow and restrictive. As a non-bank lender, we can assess each application on its merits and approve funding quickly—often within days, not weeks.

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What Is a First Mortgage Loan?

A first mortgage is the primary registered loan secured against a property. If the borrower defaults, the first mortgage holder has the first right to sell the property to recover the debt.

First mortgages are typically used for:

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  • Purchasing property (residential, commercial, or mixed-use)

  • Refinancing existing loans for better rates or terms

  • Funding construction or renovations

  • Accessing equity for business or investment purposes

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Why Choose a Private First Mortgage with Assurity Capital?

  • Fast Approvals – We can approve loans in as little as 24–48 hours.

  • Flexible Lending Criteria – We assess deals based on the property and scenario, not just your credit score.

  • No Upfront Valuation Required in Many Cases – Saving you time and costs.

  • Nationwide Lending – From Sydney and Melbourne to regional towns.

  • Loan Sizes from $50,000 – No maximum, subject to security and exit strategy.

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Types of First Mortgage Loans We Offer

  1. Residential First Mortgages – Secure funding for houses, apartments, or land.

  2. Commercial First Mortgages – Loans for offices, retail spaces, warehouses, and more.

  3. Construction First Mortgages – Flexible progress payments for new builds and developments.

  4. Bridging First Mortgages – Short-term funding to buy before you sell.

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Who We Work With

We regularly work with:

  • Property investors and developers

  • Business owners and entrepreneurs

  • Mortgage brokers and finance professionals

  • Borrowers with unique or complex circumstances

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Ideal for a Wide Range of Borrowers

Our first mortgage loans are suitable for:

  • Property investors

  • Business owners

  • Developers

  • Self-employed borrowers

  • Credit-impaired applicants

  • Clients needing urgent settlements

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Example First Mortgage Loan Scenario

Loan Amount: $850,000
Location: North Shore, Sydney
Security: Residential property
Purpose: Refinance and equity release for investment purchase
Outcome: Settled within 5 business days with no upfront valuation required.

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Loan Terms & Features

  • Loan Size: From $50,000 – multi-million dollar facilities

  • Term: 3 months – 3 years

  • Security: Residential, commercial, industrial, or vacant land

  • LVR: Up to 75% depending on property type and location

  • Repayment Options: Interest only or capitalised interest

  • Approval Time: 24–48 hours for indicative terms

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Areas We Lend

We provide first mortgage loans Australia-wide, including:

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How to Apply for a Private First Mortgage

  1. Contact Us – Call 02 9389 1077 or email scenario@assuritycapital.com.au.

  2. Provide Details – Share your loan amount, property type, and purpose.

  3. Get a Fast Decision – We’ll review and provide terms quickly.

  4. Settle and Access Funds – Often within days of approval.​

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Why Borrowers Choose Assurity Capital

We pride ourselves on our ability to deliver fast, flexible, and transparent private lending solutions. Our process is straightforward, our terms are competitive, and we tailor every loan to meet your needs.

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First Mortgage Loan FAQs

Q: How fast can you fund a first mortgage loan?
A: In many cases, we can fund within 3–5 business days from receiving all required documentation.

Q: What type of properties can be used as security?
A: We accept residential, commercial, industrial, mixed-use, and in some cases, vacant land.

Q: Can I get a first mortgage loan if I have bad credit?
A: Yes. Our focus is on the property asset and exit strategy, not just your credit history.

Q: Do you require a valuation?
A: Often yes, but in certain situations (such as low LVR loans), we can proceed without a formal valuation.

Q: What is the minimum loan amount?
A: Our first mortgage loans start from $50,000.

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Get Started Today

If you need a private first mortgage loan, contact us now to discuss your scenario.

📞 Call: 02 9389 1077
📧 Email: scenario@assuritycapital.com.au
🌐 Website: www.assuritycapital.com.au

Contact us​

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