Help Your Clients Solve Complex Property-Secured Finance Scenarios

Assurity Capital partners with mortgage brokers, commercial finance brokers and professional referrers across Australia to assess eligible private-lending scenarios for business owners, investors and developers.

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We provide property-secured private finance where conventional bank lending may be too slow, restrictive or unsuitable for the transaction. Our assessment focuses on the security property, total debt position, genuine business or investment purpose, required timeframe and a clear exit strategy.

Assurity Capital considers first mortgages, second mortgages, bridging finance, secured business loans, private-loan and caveat 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.

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Why Mortgage and Finance Brokers Work With Assurity Capital

Private lending can be a practical option when a client has a viable property-backed scenario but does not meet a mainstream lender’s policy, serviceability, timing or documentation requirements.

Assurity Capital gives brokers a direct pathway for eligible first and second mortgage private loans across Australia. We work with the referrer to understand the transaction, identify the documents needed and assess whether the property security and exit strategy support the proposed facility.

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Direct Access to Decision-Makers

A private-lending scenario often needs commercial judgement, not just a standard credit score or automated policy result. Brokers deal directly with an experienced lending team that reviews the security, debt position, purpose and repayment pathway.

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First and Second Mortgage Private Loans

Assurity Capital considers first mortgage and second mortgage private loans secured by eligible Australian real estate. This can include residential investment property, commercial property, mixed-use property, development sites, vacant land and other acceptable security.

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Scenario-Based Lending Assessment

Private lending is assessed around the transaction itself. The key questions are:

• What is the client’s exact funding requirement?

• What property is available as security?

• What debt is already secured against the property?

• What is the loan-to-value position?

• What is the genuine business, investment or commercial purpose?

• What is the exit strategy, and what evidence supports it?

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Australia-Wide Private Lending

Assurity Capital considers eligible property-secured private lending scenarios across Australia. Property location, type, marketability, existing debt and lender-assessed value all form part of the assessment.

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When a Private Loan May Be Relevant

Private lending is not a replacement for ordinary bank finance in every situation. It may be relevant when a client has a defined short-term requirement, suitable property security and a realistic plan to repay or refinance the loan.

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Common broker scenarios include:

• A client requiring a first mortgage private loan for a commercial, business, investment or property transaction

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

• An urgent private-loan or caveat refinance before maturity

• Bridging finance pending property sale, settlement or bank refinance

• Business working capital, stock, supplier payments or expansion funding

• ATO and creditor payment finance for eligible business or investment liabilities

• Development completion funding or refinance of residual stock

• A client with non-standard income, complex entity structure or limited conventional-documentation options

• An urgent commercial property, investment property or business acquisition settlement

• A borrower needing to refinance existing private debt while completing a documented exit strategy

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The most suitable private-lending scenarios are not simply urgent. They have clear security, a defined purpose and a credible exit.

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Private Lending Products for Broker-Referred Clients

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First Mortgage Private Loans

A first mortgage is first in priority over the security property. It may be relevant where the proposed facility pays out existing debt at settlement or where the property is unencumbered.

First mortgage private finance may be considered for eligible commercial acquisitions, investment transactions, business purposes, development scenarios, private-loan refinance, urgent settlements and property-related opportunities.

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Second Mortgage Private Loans

A second mortgage ranks behind an existing first mortgage. It may allow an eligible client to access available property equity without necessarily refinancing their current first mortgage.

Second mortgage finance may be considered for working capital, business expansion, creditor payments, private-loan payouts, commercial investments, bridging requirements and other eligible short-term scenarios.

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The total combined debt is critical. Brokers should provide the first mortgage balance, any caveats or other secured interests, property value and proposed exit strategy.

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Bridging Finance

Bridging finance is short-term property-secured funding that covers a defined gap before a known or expected repayment event. This may include a property sale, bank refinance, settlement, business sale, development completion or residual-stock sell-down.

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Private Loan and Caveat Refinance

A private-loan or caveat refinance may be considered when an existing short-term facility is approaching maturity. The new facility may pay out the existing private lender, caveat holder or second mortgage while the client completes a practical sale, refinance, settlement or other exit.

A refinance is not automatically suitable simply because a loan is due. The client needs a credible final repayment strategy and sufficient security.

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Secured Business Loans

Property-secured business finance may be considered for eligible working capital, stock purchases, supplier payments, business acquisitions, expansion, commercial settlement requirements, ATO obligations and creditor payments.

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Residual Stock and Development Finance

Residual stock finance may be relevant where a developer holds completed but unsold residential, commercial or mixed-use property stock. Development-related scenarios are assessed on the security, current debt, project position, marketability and exit strategy.

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What Makes a Strong Broker Scenario?

A complete submission enables a faster and more accurate assessment. Before sending a scenario, gather the following core information.

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Property Security

Provide the property address, property type, ownership structure, estimated value, existing mortgage balances, caveats and any other registered interests.

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The lender assesses total debt against the property value, rather than the requested loan amount in isolation.

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Funding Requirement

State the exact amount required, the reason it is needed and the funding deadline. If the loan is refinancing another lender, include a formal payout figure where possible.

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Genuine Loan Purpose

Clearly explain the use of funds. For example:

• Refinance a maturing private lender

• Pay out a caveat or second mortgage

• Fund a commercial property settlement

• Provide working capital for a specific business requirement

• Pay eligible ATO or creditor obligations

• Fund a business acquisition or expansion

• Bridge a property sale or refinance

• Refinance completed but unsold development stock

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Existing Debt Position

Identify all mortgages, private loans, caveats and business or investment liabilities that affect the transaction. A clear debt schedule helps show the total position before and after settlement.

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Exit Strategy

An exit strategy explains how the client will repay the private loan at or before the end of its term. Common exits include:

• Sale of the security property

• Sale of another investment or commercial asset

• Refinance to a bank or longer-term non-bank lender

• Settlement of a property sale or commercial transaction

• Sale of completed development or residual stock

• Sale of a business

• Repayment from verified business revenue

• Another documented capital event

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The exit must be realistic, achievable within the proposed loan term and supported by evidence where possible. Assurity Capital’s own private-lending guidance identifies the exit strategy as the clear plan to repay by or before the end of the loan term. Assurity Capital

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How to Submit a Private Lending Scenario

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1. Send the Key Facts

Email the following to scenario@assuritycapital.com.au:

• Client or borrower name

• Loan amount required

• Purpose of funds

• Security-property address and property type

• Estimated property value

• Existing debt, caveats and private lenders

• Required settlement date

• Proposed exit strategy

• Contracts, payout figures, valuations or other relevant documents

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2. Initial Scenario Review

Assurity Capital reviews the property security, total debt, purpose of funds and exit strategy. We may provide indicative terms or request additional information needed to assess the transaction.

Indicative terms are not formal approval. All lending remains subject to assessment, valuation, legal documentation, lender criteria and approval.

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3. Documentation and Settlement

Where a scenario progresses, the required valuation, legal, security and loan documentation is completed. We keep the referrer informed as the matter moves toward settlement.

Settlement timing varies according to the property, title, valuation, existing lender payout, legal documentation and satisfaction of conditions. It should never be assumed before the scenario has been assessed.

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How Brokers Benefit

Partnering with Assurity Capital gives brokers a specialist pathway for clients who have property equity and a defined commercial need but cannot rely on standard lending alone.

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Brokers benefit from:

• A direct contact for private-lending scenarios

• Clear assessment around property security and exit strategy

• First and second mortgage capability

• Consideration of short-term, urgent and non-standard business or investment scenarios

• Transparent communication through assessment and settlement

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

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Important Risk Considerations for Private Lending

Private lending can be useful for the right client and transaction, but it carries risk. Private loans can be short-term, may cost more than bank finance and require a clear repayment plan.

When property is used as security, failure to repay the loan can place that property at risk. Before a client proceeds, they should understand interest, fees, legal costs, valuation costs, loan term, default provisions, security ranking and the consequences of a delayed exit.

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A private loan should not be used simply to delay an unsustainable financial problem. Clients may need independent legal, accounting, tax or financial advice, particularly where tax debt, creditor pressure, director guarantees or a potential insolvency issue is involved.

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Partner With Assurity Capital

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

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

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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 brokers refer to Assurity Capital?

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

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What is the minimum loan size?

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

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Does Assurity Capital lend Australia-wide?

Yes. Assurity Capital considers eligible private-lending scenarios secured by Australian real estate across Australia.

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Can a broker submit a scenario before all documents are available?

Yes. Send the loan amount, purpose, security-property address, estimated value, existing debt, required timeframe and exit strategy first. Assurity Capital can then advise what further information is needed.

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Can a client access equity without refinancing their first mortgage?

Potentially. A second mortgage may be considered where sufficient equity is available and the total debt, security ranking and exit strategy are acceptable.

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Can Assurity Capital refinance a caveat or expiring private loan?

Potentially. A refinance may be considered for an eligible client with an existing private loan, caveat or second mortgage, subject to the security, payout figure, total debt position and credible exit strategy.

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How quickly can private finance settle?

Timing depends on the security, valuation, title, existing lender payout, legal documentation and conditions. Assurity Capital reviews scenarios promptly, but approval and settlement timeframes cannot be guaranteed.

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Does Assurity Capital provide consumer loans?

No. Assurity Capital provides private finance for genuine business, investment, commercial and development purposes only. It does not provide consumer-purpose personal loans or owner-occupied home loans.