Private Lenders Melbourne for Business and Property Finance

Assurity Capital provides private lending across Melbourne and regional Victoria for eligible business, investment, property and development purposes.

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Our private mortgage solutions include first mortgage loans, second mortgage loans, bridging finance, secured business loans, construction completion funding, residual stock finance and refinancing for existing private lenders or caveat loans.

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A private loan may suit a Melbourne business owner, property investor or developer with acceptable property security and a clear exit strategy who requires an alternative to a conventional bank process.

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Assurity Capital considers eligible private lending scenarios from $50,000 to $5 million+. Every transaction is assessed individually based on the security property, available equity, existing debt, loan purpose, required timeframe and proposed exit strategy.

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Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Our finance is for non-regulated business and investment purposes only.

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Explore Private Lending Solutions in Melbourne

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First Mortgage Private Loans

First-ranking private mortgage finance for eligible Melbourne property purchases, refinances, commercial requirements, investments, developments and urgent settlements.

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Explore First Mortgage Private Loans

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Second Mortgage Loans

Access available equity in eligible Melbourne property without necessarily replacing the existing first mortgage.

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Explore Second Mortgage Loans

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Bridging Loans Melbourne

Short-term property finance between a purchase, sale, settlement, development milestone or refinance.

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Explore Bridging Finance

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Secured Business Loans

Property-backed business finance for eligible working capital, stock purchases, expansion, commercial settlements and other defined business requirements.

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Explore Secured Business Loans

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Construction Completion Finance

Private finance for eligible developers and property owners seeking to complete partially constructed Melbourne projects before sale or refinance.

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Explore Construction Completion Loans

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Residual Stock Finance

Property-backed funding for developers holding completed but unsold apartments, townhouses, commercial premises or other eligible stock.

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Explore Residual Stock Loans

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ATO and Creditor Payment Loans

Short-term property-backed finance for eligible Victorian businesses managing ATO liabilities, creditor payments or commercial obligations.

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Explore ATO and Creditor Payment Loans

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Refinancing Private Lenders and Caveat Loans

Refinance an existing private mortgage, caveat loan or short-term facility where acceptable property security and a credible exit strategy are available.

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Explore Refinancing Private Lenders or Caveats

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Private Lenders Across Melbourne and Victoria

Select your location to explore private mortgages, second mortgage finance, bridging loans, development funding and secured business loans in your area.

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• Private Lenders Melbourne CBD

• Private Lenders Inner Melbourne

• Private Lenders Eastern Suburbs Melbourne

• Private Lenders South-East Melbourne

• Private Lenders Bayside Melbourne

• Private Lenders Northern Suburbs Melbourne

• Private Lenders Western Suburbs Melbourne

• Private Lenders Geelong

• Private Lenders Ballarat

• Private Lenders Bendigo

• Private Lenders Regional Victoria

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Turn each location into an internal link after its dedicated landing page is published.

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What Is a Private Lender in Melbourne?

A private lender provides finance outside the traditional banking system. Private lending in Melbourne commonly involves a short-term loan secured by residential investment, commercial, industrial, development or other acceptable property.

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Private lending may also be described as private mortgage lending, private property finance, private money lending, non-bank lending or asset-backed finance.

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A Melbourne private lender will generally assess:

• The location, type and estimated value of the security property.

• Existing mortgages, caveats and other encumbrances.

• The borrower’s available property equity.

• The proposed loan-to-value ratio.

• The business or investment purpose.

• The amount and term required.

• The proposed sale, refinance or other exit strategy.

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Private lending does not guarantee approval. Suitable security, an eligible purpose and a realistic repayment strategy remain essential.

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How Does Private Lending Work?

The private lending process generally begins with an outline of the transaction.

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This should identify:

• The borrower or borrowing entity.

• The Victorian property offered as security.

• Its estimated value.

• Existing mortgage and caveat balances.

• The amount required.

• The intended use of funds.

• The preferred timeframe.

• The proposed exit strategy.

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If the initial scenario appears suitable, supporting information may be requested. This can include property records, current loan statements, ownership information, company or trust documents, evidence supporting the loan purpose and information about the proposed exit.

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Any indicative terms remain subject to due diligence, acceptable security, legal documentation and final approval.

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Private Lenders vs Banks in Melbourne

Banks and private lenders can both provide loans secured by property, but their processes and suitable uses differ.

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Banks generally rely on standard servicing criteria, current financial statements, credit policies and established approval processes. This can suit conventional, longer-term borrowing.

Private mortgage lenders tend to focus more closely on the property security, available equity, commercial purpose, required timeframe and exit strategy.

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Private lending may be considered where:

• A Melbourne property settlement is approaching.

• A property sale or mainstream refinance remains incomplete.

• An existing first mortgage should remain in place.

• The transaction does not fit standard bank timing or policy.

• A private mortgage or caveat loan needs refinancing.

• A development requires completion funding.

• A business needs short-term, property-backed capital.

• An investor requires bridging finance before a property sale.

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Private lending may involve higher interest and fees than mainstream bank finance. Borrowers should assess the complete costs, risks and alternatives before proceeding.

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Private Mortgage Lenders Melbourne

Private mortgage lenders provide finance secured against real property. Depending on the existing security structure, the loan may be registered as a first mortgage or second mortgage.

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Eligible Melbourne security may include residential investment property, commercial premises, industrial property, vacant land, development sites, partially completed projects and completed residual stock.

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First Mortgage Loans Melbourne

A first mortgage provides the lender with first-ranking security over the property.

A private first mortgage may be considered for:

• Investment property acquisition.

• Commercial or industrial property purchases.

• Business and investment refinancing.

• Property development.

• Construction completion.

• Time-sensitive settlements.

• Short-term business finance.

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The security, existing encumbrances, loan amount, purpose and exit strategy are assessed before terms are offered.

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Second Mortgage Loans Melbourne

A second mortgage ranks behind an existing first mortgage. It may enable an eligible borrower to access property equity without replacing the existing first loan.

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Second mortgage finance may be used for approved purposes such as:

• Business working capital.

• ATO liabilities and creditor payments.

• Property development or improvements.

• Bridging finance.

• Investment opportunities.

• Refinancing existing private debt.

• Other defined commercial requirements.

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The existing first mortgage and proposed second mortgage are considered together when calculating the combined LVR.

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Bridging Loans Melbourne

A bridging loan provides short-term finance between two property or funding events.

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Melbourne bridging finance may be relevant when:

• An investor is buying before another property is sold.

• A settlement is due before refinance funds become available.

• A developer needs capital before completion or project sales.

• A property owner requires additional time to complete a sale.

• A business expects funds from an identifiable future transaction.

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The proposed exit could be a property sale, mainstream refinance, development settlement or another verifiable repayment event.

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Caveat Loans and Private-Lender Refinancing

A caveat loan is generally supported by a caveat lodged over property rather than a registered first or second mortgage. Caveat finance is commonly associated with short-term and time-sensitive commercial funding.

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Assurity Capital considers refinancing existing caveat loans, private mortgages and other short-term property facilities.

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Refinancing may provide additional time to:

• Complete a Melbourne property sale.

• Finalise a mainstream refinance.

• Complete construction or development works.

• Receive expected settlement proceeds.

• Implement a longer-term funding solution.

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The current facility, property security, available equity, required term and exit strategy must be assessed.

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Secured Business Loans Melbourne

A secured business loan is commercial finance backed by acceptable property.

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Eligible Melbourne business owners may seek private business finance for:

• Working capital.

• Stock and inventory purchases.

• Business expansion.

• ATO liabilities and creditor payments.

• Commercial settlement obligations.

• Refinancing existing business debt.

• Funding a defined commercial opportunity.

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The proposed use of funds must be clear and the loan term should align with a realistic exit strategy.

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Property Development Finance Melbourne

Private development finance may be used for eligible Melbourne property acquisitions, construction completion, residual stock, project expenses, settlements or refinancing.

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A development-finance assessment may consider:

• The property location and development type.

• Current land and project value.

• Completed and outstanding works.

• Remaining construction costs.

• Existing development debt.

• Expected sales or refinance.

• The feasibility and exit strategy.

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Private development finance is not suitable for every project. The available equity, project position and repayment pathway must support the proposed loan.

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Construction Completion Loans Melbourne

Construction completion finance may help an eligible developer complete a partially constructed project where further capital is required before sale or refinance.

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Funding may be considered for:

• Remaining building costs.

• Contractor and supplier payments.

• Essential completion works.

• Project refinancing.

• Costs required to reach sale or settlement.

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Assurity Capital assesses the current property value, work completed, remaining budget, project risks and proposed exit.

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Residual Stock Finance Melbourne

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

Eligible security may include completed apartments, townhouses, residential developments, commercial suites or other finished property.

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Residual stock funding may help a developer:

• Refinance existing development debt.

• Release equity while sales continue.

• Meet project holding costs.

• Support staged sales or settlements.

• Fund another eligible business or investment requirement.

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The completed value, existing debt, sales progress, marketability and exit strategy form part of the assessment.

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Who Uses Private Lenders in Melbourne?

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Business Owners

Melbourne business owners may seek property-backed finance for working capital, expansion, tax obligations, creditor payments, stock purchases or commercial opportunities.

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Property Investors

Investors may require private finance for acquisitions, settlements, bridging, refinancing, property improvements or equity access.

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Property Developers

Developers may seek private lending for acquisitions, construction completion, residual stock, development expenses, settlement deadlines or refinancing.

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Self-Employed Borrowers

Self-employed borrowers may have suitable property security and a commercially viable transaction but financial documentation that does not align with a standard bank process.

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Mortgage and Finance Brokers

Brokers may approach Assurity Capital when a client requires eligible first mortgage, second mortgage, bridging or secured business finance outside mainstream lending criteria or timing.

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Accountants and Lawyers

Accountants, lawyers and professional advisers may refer eligible clients requiring property-backed finance for a commercial, investment, settlement, tax, creditor or refinancing purpose.

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Areas We Consider Across Melbourne

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Melbourne CBD and Inner Melbourne

Eligible transactions may involve property in the Melbourne CBD, Southbank, Docklands, Carlton, Fitzroy, Collingwood, Richmond, South Yarra and surrounding inner-city areas.

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Eastern Suburbs

Assurity Capital considers suitable scenarios across Hawthorn, Kew, Camberwell, Balwyn, Box Hill, Burwood, Glen Iris and other eastern Melbourne suburbs.

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South-East Melbourne

Eligible locations include Clayton, Oakleigh, Dandenong, Springvale, Mulgrave, Narre Warren, Cranbourne, Pakenham and surrounding south-eastern areas.

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Bayside Melbourne

Private lending may be considered across Brighton, Hampton, Sandringham, Beaumaris, Elsternwick, St Kilda, Mentone and surrounding bayside suburbs.

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Northern Melbourne

Eligible security may be considered in Brunswick, Coburg, Preston, Northcote, Reservoir, Essendon and other northern suburbs.

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Western Melbourne

Private mortgage scenarios may involve property in Footscray, Yarraville, Sunshine, Werribee, Point Cook, Caroline Springs, Melton and other western suburbs.

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Regional Victoria

Assurity Capital also considers eligible private lending scenarios in Geelong, Ballarat, Bendigo, Shepparton, Warragul, Traralgon and other suitable regional Victorian locations.

A location’s inclusion does not guarantee approval or property acceptance. Every transaction is assessed individually.

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Why Choose Assurity Capital for Private Lending in Melbourne?

Borrowers and professional referrers approach Assurity Capital for:

• Private first and second mortgages.

• Melbourne bridging finance.

• Secured business loans.

• Construction completion funding.

• Residual stock finance.

• ATO and creditor payment loans.

• Refinancing private lenders and caveat loans.

• Practical assessment of security, equity and exit strategy.

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Assurity Capital considers each eligible transaction on its own circumstances rather than assuming that every borrower or property requires the same structure.

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Risks and Costs of Private Lending

Private finance may involve higher interest and fees than conventional bank lending. The loan is secured against property, so failure to meet the agreed obligations may place the property at risk.

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Before proceeding, borrowers should understand:

• The interest rate and total interest cost.

• Establishment, legal, valuation and settlement fees.

• The loan term and repayment obligations.

• Whether the mortgage ranks first or second.

• Default interest and enforcement provisions.

• The proposed exit strategy.

• The consequences if a sale or refinance is delayed.

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Independent legal, financial and tax advice may be appropriate before entering a private loan.

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Frequently Asked Questions About Private Lenders Melbourne

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What does a private lender in Melbourne do?

A Melbourne private lender provides finance outside the traditional banking system, commonly secured by property and used for eligible business, investment, bridging, refinancing or development purposes.

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How much can I borrow from a Melbourne private lender?

The amount depends on the security value, existing debt, acceptable LVR, purpose and exit strategy. Assurity Capital considers eligible private lending scenarios from $50,000 to $5 million+.

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Can a private lender provide a second mortgage in Melbourne?

Potentially. A second mortgage may allow an eligible borrower to access available property equity without refinancing the existing first mortgage. The combined LVR, loan purpose and exit strategy must be acceptable.

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Can I get a private loan with bad credit?

Credit history may be considered, but it is not the only factor. Private lenders also assess the security property, available equity, total debt, purpose and exit strategy. Bad credit does not guarantee approval or decline.

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Do private lenders offer bridging finance in Melbourne?

Private lenders may provide bridging finance for eligible Melbourne property purchases, sales, settlements, developments and refinances where suitable security and a credible exit strategy are available.

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Can a private lender refinance a caveat loan?

Potentially. Assurity Capital considers caveat-loan and private-lender refinancing where acceptable property security and a realistic repayment strategy are available.

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Can commercial property be used as security?

Eligible offices, retail premises, warehouses, industrial property and other commercial real estate may be considered, subject to the property and complete transaction.

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Does Assurity Capital provide owner-occupied home loans?

No. Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Its private lending is for eligible business and investment purposes.

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Submit Your Melbourne Private Lending Scenario

If you require private property finance for an eligible business, investment or development purpose, Assurity Capital can review your Melbourne scenario confidentially.

 

Provide the security property, estimated value, existing debt, amount required, purpose of funds, preferred timeframe and proposed exit strategy to begin an assessment.