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Private Lenders Australia for Business and Property Finance
Assurity Capital is an Australian non-bank private lender providing short-term, property-backed finance for eligible business and investment purposes.
We provide private first mortgages, second mortgage loans, bridging finance, secured business loans, construction completion finance, residual stock loans and refinancing solutions for existing private lenders or caveat loans.
Our private lending solutions may suit business owners, property investors and developers who have suitable Australian property security and a clear exit strategy but require an alternative to a traditional bank process.
Assurity Capital considers eligible private lending scenarios from $50,000 to $5 million+ across Australia. Every application is assessed individually based on the security property, available equity, existing debt, purpose of funds, required timeframe and proposed repayment strategy.
Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Our private loans are for non-regulated business and investment purposes only.
Explore Our Private Lending Products
Select a private lending product to learn how it works, its common uses and the types of scenarios Assurity Capital may consider.
First Mortgage Private Loans
Property-backed finance secured by a first-ranking mortgage for eligible purchases, refinances, business requirements, investments, developments and urgent settlements.
Explore First Mortgage Private Loans
Second Mortgage Loans
Access available property equity for an eligible business or investment purpose without necessarily refinancing an existing first mortgage.
Bridging Finance
Short-term property finance designed to bridge the period between a purchase, sale, settlement, development milestone or refinance.
Construction Completion Loans
Private finance for eligible developers and property owners who need funding to complete partially constructed projects before sale or refinance.
Explore Construction Completion Loans
Residual Stock Loans
Property-backed finance for developers holding completed but unsold residential or commercial stock.
Secured Business Loans
Private business finance secured by acceptable property for working capital, stock purchases, expansion and other defined commercial requirements.
Explore Secured Business Loans
Business Cash Flow and Expansion Loans
Short-term property-backed funding for eligible business cash flow, working capital and commercially viable expansion opportunities.
Explore Business Cash Flow and Expansion Loans
ATO and Creditor Payment Loans
Private finance for eligible businesses seeking to address ATO liabilities, creditor payments or urgent commercial obligations.
Explore ATO and Creditor Payment Loans
Refinancing Private Lenders and Caveat Loans
Refinance an existing private mortgage, caveat loan or short-term facility where suitable security and a credible exit strategy are available.
Explore Refinancing Private Lenders or Caveats
Find Private Lenders in Your State or Territory
Assurity Capital considers eligible private lending scenarios throughout Australia. Select your state or territory to find information about private mortgages, bridging loans, second mortgages and secured business finance in your location.
Private Lenders New South Wales
Private property finance across Sydney, Newcastle, Wollongong, the Central Coast and regional NSW.
Private Lenders Victoria
Private lending across Melbourne, Geelong and eligible regional Victorian locations.
Explore Private Lenders Victoria
Private Lenders Queensland
Private property finance across Brisbane, the Gold Coast, Sunshine Coast and regional Queensland.
Explore Private Lenders Queensland
Private Lenders Western Australia
Private lending across Perth, Fremantle and eligible regional Western Australian locations.
Explore Private Lenders Western Australia
Private Lenders South Australia
Private mortgage and business lending across Adelaide and eligible regional South Australian locations.
Explore Private Lenders South Australia
Private Lenders Australian Capital Territory
Private property finance across Canberra and the surrounding Australian Capital Territory.
Private Lenders Tasmania
Private lending across Hobart, Launceston and eligible regional Tasmanian locations.
Explore Private Lenders Tasmania
Private Lenders Northern Territory
Private property finance across Darwin and eligible Northern Territory locations.
Explore Private Lenders Northern Territory
Private Lenders in Major Australian Cities
Explore location-specific information about private mortgage lending, property-backed business loans and short-term finance in major Australian cities.
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Private Lenders Adelaide
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Private Lenders Canberra
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Private Lenders Hobart
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Private Lenders Darwin
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Private Lenders Gold Coast
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Private Lenders Sunshine Coast
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Private Lenders Wollongong
What Is a Private Lender?
A private lender provides finance outside the traditional banking system. In Australia, private lenders commonly provide short-term loans secured by residential investment, commercial, industrial, development or other acceptable property.
Private lending is also described as private mortgage lending, private property finance, private money lending, non-bank lending or asset-backed lending.
A private lender generally considers the complete transaction, including:
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The type, location and estimated value of the property.
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Existing mortgages, caveats and other encumbrances.
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The amount of available property equity.
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The proposed loan-to-value ratio.
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The business or investment purpose of the loan.
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The required loan term.
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The borrower’s proposed exit strategy.
Private lending can offer a different assessment process from mainstream banking, but approval is not automatic. Suitable property security and a realistic repayment strategy remain essential.
How Do Private Lenders Work in Australia?
Private lenders in Australia assess whether a loan can be supported by the proposed property security and repaid through a credible exit strategy.
The process generally begins with a summary of the scenario. This should identify the borrower, security property, existing debt, amount required, purpose of funds, preferred timeframe and proposed exit.
If the scenario appears suitable, further information may be requested. Depending on the transaction, this could include property information, loan statements, ownership details, company or trust documents, evidence of the loan purpose and information supporting the proposed exit.
The lender then considers the appropriate loan structure, mortgage position, term, interest, fees and conditions.
Private Lenders vs Banks
Banks and private lenders can both provide property-secured finance, but their assessment processes and suitable uses can differ.
Banks commonly rely on standard servicing requirements, current financial statements, credit policies and formal approval processes. This can work well for conventional, long-term borrowing but may not suit every short-term or time-sensitive transaction.
Private lenders generally focus more closely on the property security, available equity, commercial purpose and exit strategy. Private finance may therefore be considered when:
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A settlement deadline is approaching.
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A property sale or mainstream refinance is not yet complete.
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An existing first mortgage should remain in place.
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Current financials do not fit standard bank requirements.
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A borrower needs to refinance a private lender or caveat loan.
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A developer needs funding to complete a project.
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A business needs short-term finance for a defined commercial purpose.
Private lending is not automatically better or cheaper than bank finance. The appropriate option depends on the borrower’s circumstances, timeframe, costs and intended outcome.
Private Mortgage Lenders
Private mortgage lenders provide loans secured by real property. Depending on the existing security position, the loan may be registered as a first mortgage or second mortgage.
Private First Mortgages
A private first mortgage gives the lender first-ranking security over the property. It may be considered for property acquisition, refinancing, business funding, investment, development or urgent settlement requirements.
Private Second Mortgages
A private second mortgage ranks behind an existing first mortgage. It may allow an eligible borrower to access available equity without replacing the current first loan.
The first mortgage balance and proposed second mortgage are assessed together to determine the combined loan-to-value ratio.
Private Money Lenders
“Private money lenders” is another term used when searching for private lenders that provide short-term finance outside traditional banks.
In an Australian property-finance context, private money lending commonly refers to asset-backed loans secured by property for business, investment, bridging, refinancing or development purposes.
Assurity Capital assesses these scenarios based on their commercial purpose, property security, existing debt and exit strategy.
Bridging Loans From Private Lenders
A bridging loan is short-term finance used to cover a temporary gap between two property or finance transactions.
Private bridging finance may help when:
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A borrower is purchasing before selling another property.
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A property settlement is due before refinance funds become available.
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A developer needs to complete works before selling or refinancing.
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An investor needs funds before an expected settlement.
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A business needs short-term property-backed finance before another funding event.
The proposed exit may involve selling a property, completing a refinance, receiving settlement proceeds or another identifiable repayment event.
Second Mortgage Loans From Private Lenders
A second mortgage can provide additional funding against a property that already has a first mortgage.
Eligible borrowers may consider second mortgage finance for:
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Business working capital.
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ATO or creditor payments.
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Property development or improvement.
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Bridging requirements.
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Investment opportunities.
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Refinancing private or caveat lenders.
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Short-term commercial funding requirements.
A second mortgage carries additional risk because it is secured against property and ranks behind the first mortgage. Borrowers should understand the combined debt, interest, fees, loan term and consequences of failing to repay the loan.
Caveat Loans and Private-Lender Refinancing
A caveat loan is generally supported by a caveat lodged over property rather than a registered mortgage. Caveat finance is commonly associated with short-term, time-sensitive funding, although its suitability depends on the transaction and existing security position.
Assurity Capital considers refinancing existing caveat loans, private mortgages and short-term facilities where the borrower has suitable property security and a realistic exit strategy.
Refinancing may provide additional time to complete a sale, arrange mainstream finance, finish development works or implement another longer-term funding solution.
Short-Term Business Loans Secured by Property
Private lenders may provide short-term business loans secured by residential investment, commercial, industrial or other acceptable property.
Eligible uses may include:
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Working capital.
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Stock and inventory purchases.
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Business expansion.
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ATO and creditor payments.
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Commercial settlement requirements.
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Refinancing existing business debt.
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Funding a defined business opportunity.
The proposed business use must be clear, and the borrower must have a credible plan for repaying the facility.
Private Property Development Finance
Property developers may use private lending for acquisition, development completion, construction costs, residual stock, settlement requirements or refinancing.
Private development finance is assessed using factors such as:
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The property and development location.
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Current property value.
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Work completed and remaining.
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Construction and completion costs.
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Existing development debt.
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Expected sales or refinance.
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The feasibility and exit strategy.
What Property Can Be Used as Security?
Eligible security may include:
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Residential investment properties.
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Commercial properties.
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Industrial properties.
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Vacant land.
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Development sites.
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Partially completed developments.
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Completed residual stock.
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Other acceptable Australian real estate.
Acceptance depends on the property location, marketability, value, existing debt and proposed loan structure.
What Is an Exit Strategy?
An exit strategy explains how a private loan will be repaid at the end of its term.
Common private lending exit strategies include:
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Selling the security property.
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Selling another property or asset.
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Refinancing with a bank or non-bank lender.
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Completing and selling a development.
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Receiving expected settlement proceeds.
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Repayment from an identified business event.
A clear exit strategy is one of the most important parts of a private loan assessment. Property equity alone does not remove the need for a realistic repayment plan.
Who Uses Private Lenders in Australia?
Business Owners
Business owners may use property-backed private finance for cash flow, tax liabilities, creditor payments, stock purchases, expansion or a defined commercial opportunity.
Property Investors
Property investors may require private finance for acquisitions, settlements, bridging, refinancing or property improvements.
Property Developers
Developers may seek private lending for construction completion, residual stock, development costs, settlement requirements or refinancing.
Mortgage and Finance Brokers
Brokers may approach private mortgage lenders when a client has an eligible scenario that falls outside standard bank policy or timing.
Accountants and Lawyers
Professional advisers may refer clients who need property-backed finance for a business, investment, settlement, tax or creditor-related requirement.
Why Choose Assurity Capital?
Assurity Capital is an established Australian non-bank private lender specialising in property-backed finance for eligible business and investment purposes.
Borrowers and professional referrers approach Assurity Capital for:
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Private first and second mortgage loans.
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Bridging finance.
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Secured business loans.
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Construction completion finance.
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Residual stock loans.
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ATO and creditor payment finance.
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Refinancing private lenders and caveat loans.
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Australia-wide private lending assessments.
Every scenario is considered on its own merits. We assess the property security, available equity, purpose, timeframe and proposed exit rather than treating every transaction as identical.
Risks and Costs of Private Lending
Private finance may involve higher interest rates and fees than conventional bank lending. The loan is secured against property, so failure to meet the agreed obligations can place the security property at risk.
Before proceeding, a borrower should understand:
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The interest rate and total interest cost.
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Establishment, legal, valuation and other applicable fees.
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The loan term and repayment obligations.
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The mortgage ranking.
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Default interest and enforcement provisions.
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The proposed exit strategy.
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The consequences if the exit is delayed or unsuccessful.
Independent legal, financial and tax advice may be appropriate before entering a private loan.
Frequently Asked Questions About Private Lenders Australia
What does a private lender do?
A private lender provides finance outside the traditional banking system. In property lending, the loan is commonly secured by real estate and used for an eligible business, investment, bridging, refinancing or development purpose.
Are private lenders the same as non-bank lenders?
A private lender is a type of non-bank lender, but not every non-bank lender operates in the same way. Private lenders often specialise in short-term, property-backed transactions assessed around security, equity and exit strategy.
Are private lenders legal in Australia?
Private lending is a legitimate form of finance in Australia. The applicable legal and regulatory requirements depend on the borrower, loan purpose and transaction structure. Assurity Capital does not provide regulated consumer or owner-occupied home loans.
Can private lenders provide fast finance?
Private lenders can often assess time-sensitive scenarios, but the actual timeframe depends on the property, loan structure, valuation, documents, legal requirements and complexity of the transaction.
Can I obtain a private loan with bad credit?
Credit history may be considered, but it is not the only factor. Private lenders also assess the property security, available equity, loan purpose, total debt and exit strategy. Bad credit does not guarantee either approval or decline.
How much can I borrow from a private lender?
Borrowing capacity 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+.
What interest rates do private lenders charge?
Private lending rates vary according to the security, mortgage ranking, LVR, loan amount, term, property type and risk of the transaction. The total cost should be assessed using the rate and all applicable fees.
Can a private lender provide a second mortgage?
Potentially. A second mortgage may allow an eligible borrower to access available property equity while retaining an existing first mortgage. The combined LVR, loan purpose and exit strategy must be acceptable.
Can private lenders refinance caveat loans?
Private lenders may consider refinancing caveat loans and other short-term property facilities where suitable security and a credible repayment strategy are available.
Do private lenders operate Australia-wide?
Assurity Capital considers eligible private lending scenarios throughout Australia, including capital cities and regional locations.
Submit Your Private Lending Scenario
If you require private property finance for an eligible business, investment or development purpose, Assurity Capital can review your scenario confidentially.
Provide the security property, estimated value, existing debt, amount required, purpose of funds, required timeframe and proposed exit strategy to begin an assessment.
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