$4.5 Million First Mortgage Private Loan Secured Against Bellevue Hill Property

Assurity Capital recently facilitated a $4,500,000 first mortgage private loan secured against a prestigious property located in Bellevue Hill, NSW 2026.

The funding was structured to refinance an existing private lender facility at more favourable rates while also providing a $900,000 cash-out component to support further investment opportunities.

This transaction highlights how private lending can provide borrowers with flexible refinance solutions, competitive structures, and fast access to equity without the restrictions often associated with traditional bank finance.

First Mortgage Loan Scenario - Bellevue Hill

• Loan Type: First Mortgage Private Loan

• Loan Amount: $4,500,000

• Location: Bellevue Hill NSW 2026

• Purpose: Refinance existing private loan and cash-out for investment

• Cash-Out Component: $900,000

• Leverage: Approximately 42% LVR

• Security: Bellevue Hill residential property

• Outcome: Improved loan terms and additional liquidity for investment

Refinance from an Existing Private Lender

The borrower sought to refinance an existing private lending facility to secure more favourable rates and improve the overall funding structure.

In addition to refinancing the existing debt, the borrower also required access to additional capital for future investment opportunities.

By leveraging the strong equity position within the Bellevue Hill property, Assurity Capital was able to structure a first mortgage facility that achieved both objectives efficiently.

Bellevue Hill Property Used as Security

The loan was secured against a high-value residential property located in Bellevue Hill, one of Sydney’s premier eastern suburbs.

Bellevue Hill remains one of Australia’s most tightly held prestige property markets due to its:

• Premium residential profile

• Strong long-term capital growth

• Proximity to Sydney CBD and harbour precincts

• High underlying land values

• Consistent buyer demand

The strength of the underlying security contributed to a conservative overall leverage position of approximately 42% Loan to Value Ratio (LVR).

Benefits of a Low LVR Private Loan

Low leverage private lending scenarios can provide borrowers with greater flexibility and more streamlined funding outcomes.

In this transaction, the low LVR assisted with:

• Competitive refinance terms

• Improved lending flexibility

• Efficient approval process

• Access to additional equity through cash-out

• Reduced overall risk profile

For borrowers with strong equity positions, private lending can provide a practical alternative to traditional bank finance, particularly where speed and flexibility are important.

$900,000 Cash-Out for Investment Purposes

As part of the refinance structure, the borrower was able to access an additional $900,000 in equity from the property.

Cash-out funding can assist borrowers seeking to:

• Secure new investment opportunities

• Expand property portfolios

• Fund developments or projects

• Improve liquidity

• Access working capital

• Reposition existing financial structures

Rather than selling assets or refinancing through multiple lenders, the borrower was able to consolidate the funding into a tailored first mortgage facility.

Why Borrowers Refinance Private Loans

Borrowers may refinance existing private loans for a range of reasons, including:

• Obtaining more favourable rates

• Accessing additional equity

• Extending loan terms

• Improving loan structure flexibility

• Consolidating debt

• Funding new investments or business opportunities

Private lending can provide an effective solution where traditional lenders may not offer the required speed, flexibility, or assessment approach.

Flexible Private Lending Solutions

At Assurity Capital, we specialise in structuring tailored non-bank lending solutions designed around the borrower’s objectives.

We assist borrowers with:

• First mortgage private loans

• Second mortgage loans

• Refinance lending

• Cash-out funding

• Investment lending

• Property-backed finance

• Short-term and specialist lending solutions

Our focus is on delivering practical funding outcomes backed by real estate security.

The Outcome

Assurity Capital successfully facilitated the refinance and cash-out funding, allowing the borrower to improve their existing lending position while unlocking capital for future growth opportunities.

Settlement Highlights

• $4.5 million first mortgage private loan settled

• Bellevue Hill property used as security

• Approximately 42% LVR

• Refinance from an existing private lender

• $900,000 cash-out component provided

• Improved rates and funding structure

• Additional liquidity released for investment purposes

About Assurity Capital

Assurity Capital is a leading non-bank private lender specialising in:

• First mortgage private loans

• Second mortgage private loans

• Refinance lending

• Property-backed investment funding

• Asset-backed lending solutions

We provide loans from $50,000 to $5,000,000+ for borrowers Australia-wide seeking fast, flexible funding solutions secured by real estate.

Contact Assurity Capital

📞 02 9389 1077📧 scenario@assuritycapital.com.au🌐 assuritycapital.com.au

All scenarios are indicative only and subject to lender assessment, borrower circumstances, security position, and approval criteria.