Does Assurity Capital provide private loans across the Gold Coast?

Assurity Capital considers eligible applications across Surfers Paradise, Broadbeach, Southport, Burleigh Heads, Robina, Coomera and other Gold Coast locations.

What private loans are available on the Gold Coast?

Available solutions may include first mortgages, second mortgages, bridging loans, secured business loans, development finance, construction completion loans, residual stock finance and refinancing of eligible private loans or caveat facilities.

Private Lenders Gold Coast | Loans

Q: How much can I borrow from a Gold Coast 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 priority, loan-to-value ratio, purpose and exit strategy.

Private Lenders Gold Coast for Property and Business Finance

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

Our Gold Coast 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.

We work with Gold Coast property developers, business owners, commercial property investors, self-employed borrowers, companies, trusts, mortgage brokers, accountants and solicitors.

Every application is assessed according to the security property, accepted value, existing debt, mortgage priority, proposed loan-to-value ratio, loan purpose and exit strategy.

Submit Your Gold Coast Private Lending Scenario

Call Assurity Capital: 02 9389 1077

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.

Find Private Lenders Across the Gold Coast

Explore private lending information for your Gold Coast location:

Private Lenders Surfers Paradise
Private Lenders Broadbeach
Private Lenders Southport
Private Lenders Burleigh Heads
Private Lenders Robina
Private Lenders Coomera
Private Lenders Queensland

If your suburb is not listed, contact Assurity Capital. Eligible lending scenarios may be considered throughout the Gold Coast, subject to the property, valuation, purpose, leverage, location and exit strategy.

Gold Coast Private Loan Solutions

Explore Assurity Capital’s property-secured finance options:

Assurity Capital Gold Coast Lending at a Glance

Provider: Assurity Capital
Provider type: Australian non-bank private lender
Service area: Gold Coast and eligible South East Queensland locations
Loan amounts: From $50,000 to $5 million and above
Permitted purposes: Eligible business, investment and commercial purposes
Security: Eligible residential investment, commercial, industrial, development and land assets
Products: First mortgages, second mortgages, bridging finance, business loans, 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, value, debt, mortgage priority, purpose, leverage and exit strategy
Availability: Subject to assessment, acceptable security, lending criteria, legal documentation and approval

What Is a Private Lender on the Gold Coast?

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

Unlike a standard bank application that may be driven by automated serviceability calculations and rigid product policies, private lending can involve a broader assessment of the transaction.

Assurity Capital may consider:

The Gold Coast security property
Property type and location
Accepted current value
Existing mortgages and caveats
First or second mortgage priority
Total loan-to-value ratio
Genuine purpose of the funding
Proposed term
Interest payment arrangements
Development or construction status
Borrower experience
Repayment and exit strategy

Private lending is not automatic finance. Every legitimate application requires assessment, due diligence and legal documentation.

Is Assurity Capital a Private Lender or Broker?

Assurity Capital is an Australian non-bank private lender.

This is different from a mortgage broker or private-loan comparison service. A broker generally introduces an application to one or more third-party lenders. A private lender provides or manages lending under its applicable credit criteria.

Before accepting a private loan, borrowers should understand:

Which entity is providing the finance
Which entity will hold the mortgage
Whether an introducer or broker is involved
The mortgage priority
The interest rate and fees
The net amount available at settlement
The repayment obligations
The consequences of failing to exit by maturity

Clear information about the lender, security and costs is particularly important in short-term private finance.

Why Gold Coast Borrowers Use Private Lending

Gold Coast borrowers generally use private finance to complete a specific transaction, solve a short-term funding gap or unlock property equity for an eligible commercial purpose.

Private lending may be considered when a borrower needs to:

Settle a time-sensitive commercial property purchase
Acquire a development site
Complete a townhouse, apartment or land-subdivision project
Refinance an expiring private mortgage
Refinance eligible caveat-related finance
Access property equity for business working capital
Fund verified construction costs
Release capital from completed property stock
Bridge a property purchase and sale
Address eligible ATO or commercial creditor obligations
Consolidate eligible business or investment debt
Act on a time-sensitive commercial opportunity

A bank decline does not guarantee approval from Assurity Capital. The proposed security, purpose, leverage and exit strategy must still satisfy lending criteria.

First Mortgage Private Loans Gold Coast

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

Gold Coast first mortgage private loans may be considered for:

Commercial property purchases
Investment property purchases
Development-site acquisitions
Refinancing an existing bank or private lender
Business working capital
Business expansion
Construction-related expenditure
Urgent commercial settlements
Eligible debt consolidation
Releasing property equity for a business purpose

First mortgage security generally involves less risk than a second mortgage because the first mortgage lender has priority over later registered interests.

The available loan amount still depends on the accepted value, security type, location, purpose, requested term and exit strategy.

Second Mortgage Loans Gold Coast

A second mortgage is registered behind an existing first mortgage. It may allow an eligible Gold Coast property owner to access additional equity without replacing the entire first mortgage facility.

Second mortgage loans may potentially fund:

Business cash flow
Supplier payments
Stock and inventory
Equipment purchases
Business expansion
Eligible ATO obligations
Commercial creditor payments
Development costs
Construction completion
Short-term investment expenditure
Time-sensitive business opportunities

The assessment generally includes the existing first mortgage, proposed second mortgage, combined LVR, available equity, loan purpose and repayment strategy.

The first mortgage lender may need to consent or enter an appropriate priority arrangement. Existing mortgages, caveats and other secured interests must be disclosed.

Bridging Loans Gold Coast

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

Gold Coast bridging finance may be considered where:

A commercial or investment property must settle before another property is sold
A contracted sale has not yet settled
A bank refinance will not be completed before an existing facility matures
A development requires temporary capital pending sales
A construction project needs short-term completion funding
Longer-term finance has been approved but is not yet available
A business must complete a time-sensitive property transaction

The proposed exit should identify exactly how the bridging loan will be repaid. Common exits include a property sale, completed refinance, development proceeds or another documented commercial receipt.

Property Development Finance Gold Coast

Gold Coast property development includes apartment projects, townhouses, mixed-use developments, industrial units, land subdivisions and smaller infill projects.

Private property development finance may be considered for:

Development-site acquisition
Planning and professional expenses
Construction costs
Completing a partially built project
Addressing verified cost overruns
Refinancing an existing development facility
Funding a project while completed stock is sold
Releasing equity from a completed development

A development finance assessment may consider:

Current site value
Gross realisation value
Existing secured debt
Development approvals
Construction contract
Remaining project costs
Contingency allowance
Presales or market evidence
Developer and builder experience
Quantity surveyor reports
Proposed development exit

Private finance cannot make an uncommercial development viable. The property, project costs, borrower contribution and repayment strategy must support the proposed loan.

Construction Completion Loans Gold Coast

A construction completion loan may help where a Gold Coast project is partly completed but the existing lender cannot provide sufficient funding or the current facility is approaching maturity.

Funding may be considered for:

Remaining construction expenditure
Approved variations
Contractor and consultant payments
Essential completion works
Refinancing existing construction debt
Costs required to reach completion or sale
Short-term funding pending project receipts

Applications should include information about the current construction stage, approvals, remaining budget, cost to complete, existing liabilities, anticipated completion date and exit strategy.

Residual Stock Finance Gold Coast

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

This can be especially relevant to completed Gold Coast apartment, townhouse or land-subdivision projects where some stock remains unsold after construction.

A residual stock loan may help a borrower:

Refinance a construction facility
Release capital from completed apartments or townhouses
Pay outstanding project expenses
Support cash flow during a sales campaign
Avoid pressure to sell completed stock immediately
Fund another eligible development or commercial opportunity

Assurity Capital considers the completed properties, current secured debt, accepted value, individual titles where applicable, sales evidence, marketability, requested leverage and proposed exit.

Commercial Property Finance Gold Coast

Private commercial property finance may assist eligible borrowers purchasing, refinancing or releasing equity from:

Retail premises
Offices
Medical and professional suites
Warehouses
Industrial units
Hospitality property
Mixed-use buildings
Commercial land
Development sites
Specialised commercial property assessed individually

Assessment may include the property’s use, location, condition, tenancy position, marketability, accepted value, existing debt and proposed loan purpose.

Specialised or hospitality-related security can require additional due diligence because marketability and valuation may depend on the property’s permitted use, trading conditions and available buyer market.

Secured Business Loans Gold Coast

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

Gold Coast business owners may seek property-secured finance for:

Working capital
Business expansion
Stock purchases
Equipment acquisition
Supplier payments
Marketing expenditure
Commercial property acquisition
Eligible business-related tax liabilities
Short-term cash-flow requirements
Refinancing expensive commercial debt
Time-sensitive business opportunities

Property equity does not replace the need for an eligible purpose and credible repayment plan.

Refinancing Private Lenders and Caveats

Private mortgages and caveat-related facilities generally have defined maturity dates. Borrowers should begin assessing their repayment or refinance options before the existing facility expires.

Assurity Capital may consider refinancing:

An expiring first mortgage
A maturing second mortgage
Eligible caveat-related funding
Short-term commercial finance
Development debt
Construction debt
A private loan that cannot be refinanced by a bank in time

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

Delaying the refinance can reduce available options and increase the risk of default interest, enforcement expenses and other costs.

Gold Coast Property Factors Private Lenders Assess

The Gold Coast includes high-rise apartments, waterfront property, mixed-use precincts, development corridors, hinterland land and specialised commercial assets. Different properties require different valuation and risk considerations.

Relevant factors may include:

Property type and approved use
Location and marketability
Body corporate arrangements
Individual or consolidated titles
Short-term letting arrangements
Existing tenancies
Coastal or environmental exposure
Flood, stormwater or other planning overlays
Development approvals
Construction status
Comparable sales evidence
Insurance availability
Time reasonably required to sell or refinance

For apartments, the lender may consider the building, body corporate information, unit configuration, comparable sales and concentration of similar stock.

For development sites, the lender may consider zoning, approvals, site value, existing improvements, project feasibility and the proposed development exit.

Not every Gold Coast property will be acceptable security.

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

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

Private lenders may use different assessment criteria from banks and may focus more strongly on the property, purpose and exit strategy. However, due diligence remains necessary.

Applicants may need to provide:

Identification documents
Company or trust information
Security property details
Existing mortgage and caveat statements
Evidence supporting the loan purpose
Valuation information
Construction and development documents
Current payout figures
Details of the proposed exit strategy
Independent legal advice where required

Previous credit issues or limited conventional financial documents may be considered as part of the complete scenario, but they are not automatically ignored.

How Much Can I Borrow From a Gold Coast Private Lender?

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

The amount available depends on:

Accepted property value
Property type and location
Existing secured debt
Mortgage priority
Total LVR
Loan purpose
Proposed term
Interest arrangements
Fees and retained costs
Exit strategy
Overall risk

Property value alone does not determine how much a borrower can access.

How Is Available Property Equity Calculated?

Available property equity is not simply the property value minus the existing mortgage.

A private lender may also consider:

The maximum acceptable LVR
Existing secured debts
Accrued or retained interest
Establishment fees
Valuation expenses
Legal costs
Existing caveats
Required financial buffers

The net amount available to the borrower may therefore be lower than the headline equity in the property.

How Are Private Lending Rates and Fees Determined?

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

Pricing may depend on:

Loan amount
First or second mortgage priority
Security property
Location and marketability
LVR
Loan purpose
Proposed term
Interest-servicing method
Transaction complexity
Exit strategy
Overall lending risk

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

Why Is the Exit Strategy Important?

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

Common exits 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
Completion of construction followed by refinance
Receipt of documented commercial proceeds

A credible exit should have enough time and supporting evidence to be achievable. A general expectation that property prices will rise is not a complete repayment strategy.

Who Assurity Capital Works With on the Gold Coast

Assurity Capital considers eligible enquiries from:

Property developers
Builders
Business owners
Property investors
Commercial property owners
Self-employed borrowers
Companies and trusts
Mortgage and finance brokers
Accountants
Solicitors and conveyancers
Professional advisers

Brokers and advisers can submit an initial lending scenario on behalf of an eligible client.

Areas Serviced Across the Gold Coast

Assurity Capital considers eligible private mortgage and property-secured business finance applications across the Gold Coast.

Central Gold Coast

Coverage includes Surfers Paradise, Broadbeach, Broadbeach Waters, Main Beach, Bundall, Benowa and surrounding central locations.

Southport and Inner Gold Coast

Applications may be considered in Southport, Ashmore, Parkwood, Arundel, Labrador, Biggera Waters and nearby suburbs.

Southern Gold Coast

Coverage may include Burleigh Heads, Miami, Mermaid Beach, Palm Beach, Currumbin, Tugun and Coolangatta.

Northern Gold Coast and Growth Corridor

Eligible lending scenarios may be considered in Coomera, Upper Coomera, Pimpama, Ormeau, Hope Island, Helensvale and surrounding northern areas.

Robina and Central-Western Gold Coast

Coverage may include Robina, Varsity Lakes, Carrara, Nerang, Mudgeeraba, Reedy Creek and surrounding locations.

Gold Coast Hinterland

Properties in Tamborine Mountain and other hinterland locations may be assessed individually according to property type, use, valuation evidence and marketability.

How the Gold Coast Private Lending Process Works

1. Submit the Complete Scenario

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

2. Security and Transaction Assessment

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

3. Indicative Terms

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

Indicative terms do not constitute final approval.

4. Valuation and Due Diligence

The relevant title information, property value, existing liabilities and supporting transaction documents are reviewed.

5. Legal Documentation

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

6. Settlement

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

Timing depends on the valuation, documentation, legal process and complexity of the transaction. No settlement timeframe is guaranteed.

Frequently Asked Questions About Private Lenders Gold Coast

What is a private lender on the Gold Coast?

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

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.

Does Assurity Capital lend throughout the Gold Coast?

Assurity Capital considers eligible applications across central, northern and southern Gold Coast suburbs, as well as Robina, Southport, the growth corridor and selected hinterland locations.

How much can I borrow from a Gold Coast private lender?

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

Can I apply after a bank decline?

Yes, an application may still be considered. A bank decline does not guarantee approval. The proposed security, purpose, leverage, risks and exit strategy must satisfy lending criteria.

Can I obtain a second mortgage without refinancing my first mortgage?

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

Are bridging loans available on the Gold Coast?

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

Can private lenders fund Gold Coast property developments?

Assurity Capital may consider eligible development-site acquisition, construction completion, property development and residual stock finance. Approval depends on the project, costs, security, leverage, borrower experience and exit strategy.

Can a private lender refinance an existing caveat loan?

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

Do Gold Coast private lenders offer no-doc loans?

Private lenders may have different documentation requirements from banks, but every legitimate application requires assessment and due diligence. Requirements depend on the borrower, security, purpose and exit.

What interest rates do Gold Coast private lenders charge?

Rates and fees vary according to the loan amount, mortgage position, property, location, LVR, purpose, term, exit strategy and overall risk.

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 available for eligible business, investment and commercial purposes only.

How do I apply for a Gold Coast private loan?

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

Speak With a Gold Coast Private Lending Specialist

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

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

Phone: 02 9389 1077

Email: scenario@assuritycapital.com.au