Private Lending Products Australia

Assurity Capital provides private property finance for eligible business and investment purposes across Australia. Our private lending products include first mortgages, second mortgages, bridging finance, secured business loans, construction completion loans, residual stock finance and refinance solutions for private lenders or caveat loans.

Private lending may suit business owners, property investors, developers and professional referrers who need a short-term, property-backed finance solution and have a clear strategy to repay, sell or refinance the loan.

Every private loan scenario is assessed individually. We consider the security property, existing debt, available equity, required loan amount, purpose of funds, timeframe and proposed exit strategy.

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

First Mortgage Private Loans

A first mortgage private loan is secured with first-ranking priority over property. It can provide short-term funding for an eligible business, investment or property transaction where a mainstream lender may not suit the required timeframe or structure.

First mortgage loans may be used for property acquisition, refinancing, business finance, development funding, urgent settlements and investment opportunities.

First Mortgage Loan Uses

Refinancing an existing loan.
Purchasing residential investment, commercial or industrial property.
Accessing property equity for a business or investment purpose.
Funding a time-sensitive settlement.
Supporting a property development or commercial transaction.
Short-term finance before sale or mainstream refinance.

The property type, value, location, existing encumbrances and exit strategy are all assessed before a first mortgage private loan is considered.

Second Mortgage Private Loans

A second mortgage is secured behind an existing first mortgage on the same property. It may allow an eligible borrower to access available equity without refinancing or replacing the current first mortgage.

Second mortgage finance is commonly used where a borrower has a defined short-term business or investment requirement and needs a practical funding solution supported by property equity.

Second Mortgage Loan Uses

Business working capital and cash flow.
ATO liabilities and creditor payments.
Refinancing an existing private lender or caveat loan.
Bridging finance before a sale or refinance.
Property development completion or improvement funding.
Investment opportunities with a clear exit strategy.

For a second mortgage, the total of the first mortgage and the proposed second mortgage is assessed as the combined loan-to-value ratio, or combined LVR.

Bridging Finance

Bridging finance is short-term property-backed funding that helps cover a gap between a purchase, sale, settlement, development milestone or refinance.

A private bridging loan may be suitable where an investor, developer or business owner needs funds before another planned transaction is completed.

Bridging Loan Uses

Buying a property before another property is sold.
Funding a deposit or settlement requirement.
Bridging the period before a refinance is completed.
Completing a development before sale or longer-term finance.
Managing a time-sensitive property transaction.
Releasing equity for a defined commercial opportunity.

A realistic and documented exit strategy, such as a property sale or refinance, is essential when considering bridging finance.

Construction Completion Loans

Construction completion loans are private lending solutions for eligible borrowers who need funding to complete a partially finished property project.

This type of finance may be relevant where a traditional lender is unwilling to continue funding a project, construction progress has changed, or further capital is required to complete works before sale or refinance.

Construction Completion Loan Uses

Completing partially constructed residential projects.
Funding remaining building works before sale or refinance.
Supporting eligible owner-builder and developer projects.
Refinancing an existing construction or development facility.
Covering final project costs where there is a clear exit strategy.

Construction completion finance is assessed carefully. Property value, works completed, remaining costs, project feasibility and exit strategy are important considerations.

Residual Stock Loans

Residual stock finance is private property finance for developers holding completed but unsold residential units, townhouses, apartments, commercial suites or other completed stock.

Rather than waiting for every property to sell, a developer may be able to access funding against eligible completed stock to improve cash flow or support the next stage of a project.

Residual Stock Finance Uses

Releasing equity from completed, unsold properties.
Supporting business cash flow while a sales campaign continues.
Refinancing existing development debt.
Funding project completion or holding costs.
Supporting staged sales and settlement programs.
Managing a longer-than-expected sales period.

Residual stock loans are assessed on the completed value of the properties, existing debt, sales position, marketability and proposed exit.

Secured Business Loans

A secured business loan is property-backed finance for an eligible business purpose. It may help a business owner access capital where there is suitable real-estate security and a defined repayment plan.

Private secured business finance can be useful when a business needs short-term funding but a traditional bank process is too slow, restrictive or unsuitable for the transaction.

Secured Business Loan Uses

Working capital and operating expenses.
Stock and inventory purchases.
Business expansion or acquisition opportunities.
Equipment, project or contract-related costs.
Settlement obligations.
Short-term cash flow requirements.
Refinance of existing business debt.

The purpose of funds, property security, business position and exit strategy all form part of the assessment.

ATO and Creditor Payment Loans

ATO and creditor payment loans can provide a short-term private finance option for eligible business owners who need to address urgent tax liabilities, creditor obligations or settlement payments.

A property-backed loan may help create time to arrange a longer-term refinance, complete a property sale, receive expected business proceeds or implement another clear repayment solution.

ATO and Creditor Loan Uses

Paying ATO liabilities.
Managing urgent creditor payments.
Meeting settlement or legal obligations.
Refinancing short-term debt.
Protecting business continuity during a temporary cash-flow gap.

Private finance should only be considered where the borrower understands the total costs, property security and proposed exit strategy.

Refinancing Private Lenders and Caveat Loans

Assurity Capital considers refinance scenarios involving existing private loans, second mortgages, caveat loans and other short-term property-backed facilities.

This may be relevant where a borrower needs more time to sell a property, finalise a mainstream refinance, settle a transaction, complete development works or improve their overall funding structure.

Refinance Loan Uses

Refinancing an existing private mortgage.
Replacing a caveat loan with a registered mortgage.
Extending time before a property sale or refinance.
Consolidating eligible business or investment debt.
Restructuring short-term property finance.
Funding a transaction while a longer-term solution is arranged.

The existing loan position, property equity, required term and realistic exit are assessed before refinance finance is considered.

Business Cash Flow and Expansion Loans

Business cash flow and expansion loans are property-backed private finance solutions for eligible business owners requiring short-term capital for a defined commercial purpose.

These loans may assist businesses that have property security and an identified repayment source but need funding before a sale, refinance, contract payment or other expected event.

Business Cash Flow Loan Uses

Funding working capital.
Meeting payroll or supplier commitments.
Purchasing stock.
Funding a business expansion opportunity.
Covering seasonal cash-flow requirements.
Managing a temporary funding gap.

Private Lending for Property Investors and Developers

Assurity Capital works with eligible property investors and developers seeking short-term private finance secured by Australian property.

Private lending may be relevant for property acquisition, refinancing, development completion, bridging, residual stock, settlement requirements and investment-related business purposes.

The right private lending solution depends on the property, loan purpose, timeframe, existing finance and proposed exit strategy.

How to Choose the Right Private Loan Product

The most suitable private lending product depends on the transaction.

A first mortgage may suit a borrower requiring primary property-backed funding. A second mortgage may suit a borrower with an existing first mortgage who needs to access available equity. Bridging finance may suit a short gap before a sale or refinance. Residual stock finance may suit a developer holding completed unsold properties. A secured business loan may suit a commercial funding requirement supported by property security.

Before proceeding, borrowers should understand:

The type and ranking of the security.
The total amount of existing and proposed debt.
The interest, fees and loan term.
The purpose of funds.
The risks of providing property security.
The proposed sale, refinance or other exit strategy.

Private Lending Available Australia-Wide

Assurity Capital considers eligible private lending scenarios across Australia, including Sydney, Melbourne, Brisbane, Adelaide, Perth, Canberra, Hobart, Darwin and regional areas.

We work with business owners, investors, developers, mortgage brokers, finance brokers, accountants, lawyers and other professional referrers requiring property-backed private finance for non-regulated purposes.

Discuss Your Private Lending Scenario

If you require first mortgage finance, second mortgage finance, bridging finance, secured business lending, construction completion finance or a private-loan refinance, Assurity Capital can review your scenario confidentially.

Provide the property security, existing debt, amount required, purpose of funds, timeframe and proposed exit strategy to begin an assessment.