First Mortgage Private Loan in Keysborough, Victoria – Funding for Residual Stock

Assurity Capital recently assisted a property developer in Keysborough, Victoria who required fast funding to manage residual stock from a completed residential project. Through a structured first mortgage private loan, we delivered the capital needed without delays, lengthy valuations, or bank-style hurdles.

This case study highlights how private lending can strengthen a developer’s cash flow position—especially when unsold stock ties up liquidity.

Understanding the Scenario: Residual Stock in Keysborough

Residual stock refers to the remaining unsold properties at the end of a development project. Developers often need to release cash quickly to:

• Repay construction funding

• Cover holding costs

• Prepare for the next development

• Finalise marketing to clear remaining units

• Reduce financial pressure from slow sales cycles

In this case, the borrower held multiple newly completed dwellings in Keysborough, a fast-growing suburb located 27 km south-east of Melbourne’s CBD, known for strong family demand, new estates, and consistent growth.

Despite the area’s popularity, a changing market meant several completed units remained unsold—creating a cash flow bottleneck.

The Borrower’s Objective (First mortgage private loan Keysborough)

The client required a first mortgage private loan for security in Keysborough to:

• Extract equity tied up in residual stock

• Cover final project costs

• Strengthen liquidity while awaiting sales

• Avoid forced, below-market sell-down

• Bridge the gap between completion and settlement

Banks often avoid residual stock loans due to "non-conforming" risk or extended sales campaigns. That’s where Assurity Capital's private lending model provides a solution.

Loan Summary

🔹 Loan Type: First Mortgage Private Loan

🔹 Location: Keysborough, Victoria

🔹 Purpose: Residual stock / equity release

🔹 Security: Completed residential dwellings

🔹 Approach: Low-doc, commercial assessment

🔹 Outcome: Fast approval and timely funding

The borrower’s equity position meant the loan could be assessed quickly and competitively.

Why a First Mortgage Private Loan Was the Ideal Solution

Traditional lenders are slow to act when capital is needed urgently—especially for recently completed stock. Assurity Capital’s private lending approach focuses on:

1. Security Value Over Borrower Red Tape

We prioritise asset strength and market evidence.

2. Fast Turnaround

Private loans can be assessed in days, not weeks.

3. No Restrictive Banking Criteria

No presales, no long income verification, no construction covenants.

4. Alignment With Developer Timeframes

Residual stock loans must be structured to support sales campaigns, not hinder them.

5. Flexibility on LVR & Valuation Requirements

If equity is strong, valuations can be streamlined or—where appropriate—waived.

This enabled the client to free up urgently needed capital without affecting ongoing sales or pricing strategy.

The Outcome

Assurity Capital delivered:

• Fast approval suitable for a developer under time pressure

• Clear loan terms aligned with expected stock sell-through

• Funding to finalise the project without discounted fire-sales

• A first mortgage position offering security and simplicity

The borrower retained control of their sales campaign while maintaining cash flow to prepare for their next project.

Why Developers Across Victoria Choose Assurity Capital

We specialise in private, asset-backed funding for:

• Residual stock

• First mortgages

• Second mortgages

• Bridging loans

• Build-completion finance

• Business and investment purposes

Our approach is commercial, flexible, and tailored to real-world property cycles—especially in growth corridors like Keysborough, Cranbourne, Dandenong, and Melbourne’s south-east.

Need Funding for Residual Stock or Private First Mortgage Loans in Keysborough?

Assurity Capital provides fast, flexible, and commercial lending solutions that support developers, business owners, and investors across Victoria.

Contact Assurity Capital

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

Residual Stock Finance