Assurity Capital provides private lending in Perth and across Western Australia for eligible business, investment, property and development purposes.

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As an Australian non-bank private lender, we offer short-term loans secured by acceptable property. Available solutions include private first mortgages, 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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Private lending may assist a Perth business owner, property investor or developer who has available property equity and a realistic exit strategy but requires a funding solution outside 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 on its security, existing debt, loan purpose, required term and proposed repayment strategy.

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

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What Can a Perth Private Lender Finance?

Private lenders in Perth provide property-backed finance for specific commercial and investment requirements.

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Assurity Capital may consider eligible funding for:

• Business cash flow and working capital.

• Commercial and investment property purchases.

• Time-sensitive property settlements.

• Bridging finance before a sale or refinance.

• Accessing equity through a second mortgage.

• Refinancing private mortgages or caveat loans.

• Property development and construction completion.

• Residual stock held by property developers.

• ATO liabilities and creditor payments.

• Short-term commercial opportunities with a defined exit.

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Private finance should be structured around a clear purpose and repayment pathway. It is not intended to replace every long-term bank loan.

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Explore Private Lending Solutions in Perth

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First Mortgage Private Loans

First-ranking private mortgage finance for eligible Perth property acquisitions, refinances, developments, investments, business requirements and settlements.

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Explore First Mortgage Private Loans

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Second Mortgage Loans Perth

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

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Explore Second Mortgage Loans

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Bridging Loans Perth

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

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Explore Bridging Finance

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Secured Business Loans Perth

Property-backed business loans for eligible working capital, stock purchases, commercial expansion, tax liabilities and creditor obligations.

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Explore Secured Business Loans

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Construction Completion Finance

Private finance for eligible developers seeking to complete partially constructed Perth or Western Australian property projects.

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Explore Construction Completion Loans

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Residual Stock Finance

Property-backed finance 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 Western Australian businesses addressing 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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Find Private Lenders Across Perth and Western Australia

Create and internally link the following location pages:

• Private Lenders Perth CBD

• Private Lenders West Perth

• Private Lenders Fremantle

• Private Lenders Joondalup

• Private Lenders Subiaco

• Private Lenders Cottesloe

• Private Lenders Osborne Park

• Private Lenders Welshpool

• Private Lenders Canning Vale

• Private Lenders Rockingham

• Private Lenders Mandurah

• Private Lenders Bunbury

• Private Lenders Regional Western Australia

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What Is a Private Lender in Perth?

A private lender provides finance outside the traditional banking system. In Perth, private lending 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 called private mortgage lending, private money lending, private property finance, asset-backed lending or non-bank finance.

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A Perth private lender generally considers:

• The property type, location and value.

• Existing mortgages, caveats and registered interests.

• Available equity.

• The proposed loan-to-value ratio.

• The business or investment purpose.

• The loan amount and required term.

• The proposed exit strategy.

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Private lenders may take a more transaction-focused approach than traditional banks, but finance remains subject to assessment and approval.

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How Is a Private Loan Assessed?

A private lending assessment starts with the facts of the transaction rather than the product name alone.

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Property Security

The lender assesses the location, type, condition, estimated value and marketability of the property being offered as security.

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Existing Debt

Current mortgages, caveats and other encumbrances must be identified. These determine the available equity and the ranking available to a new lender.

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Loan Purpose

The requested funds must have an eligible business or investment purpose.

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Loan-to-Value Ratio

The LVR compares the proposed secured debt with the accepted value of the property. For a second mortgage, the combined LVR includes the existing first mortgage and proposed second loan.

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Loan Term

Private finance is generally short-term. The required term should correspond with the expected sale, refinance, settlement or other exit.

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Exit Strategy

The borrower must have a credible plan for repaying the loan at the end of its term.

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Private Lenders vs Banks in Perth

Banks commonly assess borrowers using standard servicing requirements, current financial statements, credit policies and formal approval processes.

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Private mortgage lenders may place greater emphasis on the property security, available equity, commercial purpose and exit strategy.

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A private lender may be considered when:

• A Perth settlement deadline is approaching.

• A property sale has not yet completed.

• A bank refinance remains in progress.

• The borrower wants to retain an existing first mortgage.

• A private facility or caveat loan is nearing maturity.

• A development needs additional completion funding.

• A business requires short-term property-backed capital.

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

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Private lending can involve higher rates and fees than conventional finance. Borrowers should compare the total cost, risks and alternatives before proceeding.

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Private Mortgage Lenders Perth

Private mortgage lenders provide loans secured by real property. The lender may hold a first-ranking mortgage or rank behind an existing lender through a second mortgage.

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Eligible Perth property security may include:

• Residential investment property.

• Commercial property.

• Industrial premises.

• Offices and retail property.

• Warehouses.

• Mixed-use property.

• Vacant land.

• Development sites.

• Partially completed projects.

• Completed residual stock.

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Property acceptance depends on its location, value, marketability, existing debt and the overall loan structure.

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First Mortgage Loans Perth

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

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A Perth first mortgage loan may be considered for:

• Purchasing an investment property.

• Acquiring commercial or industrial premises.

• Refinancing business or investment debt.

• Funding a property development.

• Completing construction.

• Meeting a settlement deadline.

• Accessing equity for an eligible commercial purpose.

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The security property, LVR, loan purpose, term and exit strategy form part of the assessment.

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Second Mortgage Loans Perth

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

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Second mortgage finance may be considered for:

• Working capital.

• ATO and creditor payments.

• Property development expenses.

• Investment requirements.

• Bridging finance.

• Refinancing short-term business debt.

• Time-sensitive commercial transactions.

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

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Bridging Loans Perth

A bridging loan provides temporary finance between two property or funding events.

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Private bridging finance in Perth may help when:

• An investor is buying before selling another property.

• A settlement is due before sale proceeds become available.

• A refinance is underway but has not settled.

• A developer requires capital before project completion.

• A property owner needs additional time to sell.

• A business expects proceeds from an identifiable future event.

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The exit may involve a property sale, mainstream refinance, development settlement or another verifiable repayment source.

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Secured Business Loans Perth

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

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Eligible uses may include:

• Working capital.

• Stock and inventory.

• Equipment or project expenses.

• Business expansion.

• Supplier and creditor payments.

• ATO liabilities.

• Commercial acquisitions.

• Refinancing existing business debt.

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The loan purpose must be clear and the repayment strategy must align with the proposed term.

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Commercial Property Finance Perth

Private commercial property finance may be secured by eligible offices, warehouses, retail premises, industrial facilities or mixed-use property.

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It may assist with:

• Commercial property acquisition.

• Refinancing an existing commercial loan.

• Releasing equity for an eligible business purpose.

• Bridging a commercial settlement.

• Funding improvements or project expenses.

• Addressing a short-term commercial requirement.

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Commercial property lending is assessed according to the security, occupancy, location, marketability, debt position and proposed exit.

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Property Development Finance Perth

Private development finance may be considered for eligible Perth projects requiring short-term property-backed funding.

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Potential uses include:

• Development-site acquisition.

• Construction completion.

• Remaining project costs.

• Refinancing existing development debt.

• Bridging pending sales or settlements.

• Releasing equity from completed stock.

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The assessment may consider the current site value, completed works, remaining budget, existing debt, project feasibility, expected sales and exit strategy.

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Construction Completion Loans Perth

A construction completion loan may help an eligible borrower finish a partially completed project before sale or refinance.

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Relevant considerations include:

• The current stage of construction.

• Remaining building works.

• The completion budget.

• Existing project debt.

• The estimated completed value.

• The project timeframe.

• The proposed sale or refinance.

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Construction finance remains subject to satisfactory assessment, documentation and approval.

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Residual Stock Finance Perth

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

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

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Residual stock lending may help a developer:

• Refinance existing development debt.

• Release equity while property sales continue.

• Meet project holding costs.

• Support staged settlements.

• Fund another eligible business or investment requirement.

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The lender will consider the completed value, existing debt, sales progress, marketability and proposed exit.

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Refinancing Caveat Loans and Private Mortgages

A caveat loan is generally supported by a caveat lodged over property rather than a registered first or second mortgage.

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Assurity Capital may consider refinancing an eligible:

• Caveat loan.

• Private first mortgage.

• Private second mortgage.

• Bridging facility.

• Maturing development loan.

• Short-term secured business facility.

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The proposed refinance must be supported by suitable security and a realistic plan to repay the replacement loan.

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What Is an Exit Strategy?

An exit strategy explains how a private loan will be repaid.

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Potential exits include:

• Selling the security property.

• Selling another property or asset.

• Refinancing through a bank or non-bank lender.

• Completing and selling a development.

• Receiving proceeds from scheduled settlements.

• Repayment from an identifiable business event.

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A credible exit is central to private lending. Available property equity alone does not remove the need for a realistic repayment plan.

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Who Uses Private Lenders in Perth?

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Business Owners

Perth business owners may require property-backed finance for cash flow, expansion, inventory, tax obligations, creditor payments or a commercial opportunity.

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Property Investors

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

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Property Developers

Developers may require funding for site acquisition, construction completion, residual stock, project expenses or refinancing.

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Self-Employed Borrowers

A self-employed borrower may have suitable property security and a commercially viable transaction but documentation that does not fit a standard bank process.

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Mortgage and Finance Brokers

Brokers may submit eligible private first mortgage, second mortgage, bridging and secured business loan scenarios.

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Accountants and Lawyers

Professional advisers may refer clients requiring property-backed finance for an eligible commercial, investment, tax, creditor, settlement or refinancing purpose.

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Areas We Consider Across Perth

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Perth CBD and Inner Perth

Eligible private lending scenarios may involve property in Perth CBD, West Perth, East Perth, Northbridge, Subiaco, Leederville and surrounding inner-city locations.

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Western Suburbs

Private property finance may be considered across Cottesloe, Claremont, Nedlands, Dalkeith, Mosman Park, City Beach and surrounding western suburbs.

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Northern Perth

Eligible locations may include Joondalup, Osborne Park, Balcatta, Scarborough, Hillarys, Wangara and other northern Perth areas.

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Southern Perth

Assurity Capital may consider suitable scenarios in South Perth, Applecross, Fremantle, Canning Vale, Welshpool, Cockburn, Rockingham and surrounding southern locations.

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Eastern Perth

Private mortgage scenarios may involve property in Belmont, Bayswater, Midland, Guildford, Kalamunda and other eastern Perth locations.

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Greater Western Australia

Eligible private lending may also be considered in Mandurah, Bunbury, Geraldton, Albany, Kalgoorlie-Boulder and other suitable regional Western Australian locations.

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Listing a location does not guarantee that a security property or loan will be accepted. Every scenario is assessed individually.

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Risks and Costs of Private Lending

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

• The mortgage ranking.

• Interest-payment arrangements.

• Default interest and enforcement provisions.

• The proposed exit strategy.

• The consequences of a delayed sale or refinance.

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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 Perth

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What does a private lender in Perth do?

A Perth private lender provides property-backed finance outside the traditional banking system for eligible business, investment, bridging, refinancing and development purposes.

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How much can I borrow from a private lender?

The amount depends on the property value, existing debt, acceptable LVR, loan 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 Perth?

Potentially. A second mortgage may allow an eligible borrower to access property equity while retaining the existing first mortgage. The combined LVR, purpose and exit strategy must be acceptable.

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Can private lenders provide bridging loans in Perth?

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

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Can I get a private loan with bad credit?

Credit history may be considered, but private lenders also assess the security property, available equity, total debt, loan purpose and exit strategy. Bad credit does not guarantee either approval or decline.

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Can commercial or industrial property be used as security?

Eligible commercial and industrial property may be considered, subject to its location, value, marketability, existing debt and the complete transaction.

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Can a private lender refinance a caveat loan?

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

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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 Perth Private Lending Scenario

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

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