Refinancing Out of a Private Lender: How to Exit Cleanly and Secure Better Terms

Refinancing Private Lender - Private loans serve a valuable purpose when speed, flexibility, or complexity rules out traditional finance. But they’re not meant to be long-term solutions. Many borrowers find themselves nearing the end of a private loan term — and facing pressure to refinance quickly.

At Assurity Capital, we specialise in helping borrowers refinance out of existing private lenders, whether to access better terms, buy more time, or transition to bank finance once they're eligible.

Why Borrowers Need to Refinance a Private Loan

Private loans are typically short-term and interest-only. As the term ends, borrowers may need to refinance because:

• The current lender won’t extend the term

• A balloon payment is due

• The loan has become too expensive

• The borrower is now eligible for bank or non-bank finance

• The borrower needs more time to finalise financials, valuations, or settlement

If a refinance isn’t arranged in time, the borrower risks default, penalties, or even loss of the property.

Assurity Capital’s Refinance Solution

We offer fast, asset-backed private loans to help borrowers:

• Exit existing private lenders

• Consolidate multiple debts or caveats

• Extend timeframes while preparing for long-term funding

  
  

Our refinance loans are:

• Settled in as little as 3–5 days

• Available from $50,000+

• Structured around the property and the exit, not the credit score

  
  

When Is This Useful? - Refinancing Private Lender

We regularly help brokers and borrowers in situations such as:

• A private lender has issued a default notice

• A borrower needs to refinance a second mortgage

• A short-term private loan has matured, but the bank finance isn't ready

• A borrower is stuck in a high-cost facility with no flexibility

Our funding gives clients breathing room and a clear runway to exit on their terms.

What Happens If You Don’t Refinance in Time?

Failing to refinance a private loan can lead to:

• Higher default interest (often 20%+ p.a.)

• Enforcement action by the lender

• Fire-sale of the property

• Personal or director liability (in commercial loans)

This is why acting early is critical. Assurity Capital works with brokers and solicitors to ensure a clean, quick transition from one lender to the next.

Work With Us

Whether your client is under time pressure or just looking to improve their position, Assurity Capital can help structure a fast, compliant and cost-effective exit from their current private lender.

We’re broker-friendly, transparent, and focused on delivering commercial solutions that work. Contact us