Private Lenders Queensland for Business and Property Finance
Assurity Capital provides private lending across Queensland for eligible business, investment, property and development purposes.
We offer private first mortgages, second mortgage loans, bridging finance, secured business loans, construction completion funding, residual stock finance and refinancing solutions for existing private lenders or caveat loans.
With more than 20 years of expertise, over 1,500 deals settled and more than $650 million in loans funded, Assurity Capital is an established Australian non-bank private lender serving borrowers and professional referrers across Queensland.
Our private lending solutions may suit business owners, property investors and developers who have acceptable property security and a credible exit strategy but require an alternative to a conventional bank process.
Assurity Capital considers eligible Queensland private lending scenarios from $50,000 to $5 million+. Finance is available for non-regulated business and investment purposes only. We do not provide regulated consumer loans or owner-occupied home loans.
Explore Private Lending Solutions in Queensland
First Mortgage Private Loans
First-ranking private mortgage finance for eligible Queensland property purchases, refinances, commercial requirements, investments, developments and settlements.
Explore First Mortgage Private Loans
Second Mortgage Loans Queensland
Access available equity in an eligible Queensland property without necessarily replacing the existing first mortgage.
Explore Second Mortgage Loans
Bridging Loans Queensland
Short-term property finance between a purchase, sale, settlement, development milestone or refinance.
Explore Bridging Finance
Secured Business Loans Queensland
Property-backed business funding for eligible working capital, stock purchases, expansion costs, tax liabilities and commercial requirements.
Explore Secured Business Loans
Construction Completion Loans
Private property finance for eligible developers seeking to complete partially constructed projects before sale or refinance.
Explore Construction Completion Loans
Residual Stock Finance
Finance secured against eligible completed but unsold apartments, townhouses, commercial premises or other development stock.
Explore Residual Stock Loans
ATO and Creditor Payment Loans
Short-term property-backed finance for eligible Queensland businesses addressing ATO liabilities, creditor payments or 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 acceptable security and a realistic exit strategy are available.
Explore Refinancing Private Lenders or Caveats
Find Private Lenders Across Queensland
Select your location to explore private mortgages, bridging loans, second mortgage finance, development funding and secured business loans in your area.
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Private Lenders Sunshine Coast
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Private Lenders Ipswich
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Private Lenders Logan
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Private Lenders Toowoomba
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Private Lenders Cairns
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Private Lenders Townsville
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Private Lenders Mackay
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Private Lenders Rockhampton
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Private Lenders Bundaberg
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Private Lenders Fraser Coast
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Private Lenders Regional Queensland
What Is a Private Lender in Queensland?
A private lender provides finance outside the traditional banking system. In Queensland, private lending commonly involves short-term finance secured by eligible residential investment, commercial, industrial, development, land or regional property.
Private lending may also be described as private mortgage lending, private property finance, private money lending, asset-backed finance or non-bank lending.
A Queensland private lender generally considers:
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The type, location and value of the property.
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Existing mortgages, caveats and registered interests.
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The amount of available equity.
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The proposed loan-to-value ratio.
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The business or investment purpose.
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The requested loan term.
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The proposed exit strategy.
Private lending does not guarantee approval. Every scenario must have acceptable security, an eligible loan purpose and a realistic repayment pathway.
When Might Private Lending Be Suitable?
Private finance may be considered where a borrower has a viable property-backed transaction but cannot use a conventional bank solution within the required structure or timeframe.
Common Queensland private lending scenarios include:
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A business requiring short-term working capital.
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A property settlement occurring before bank finance is available.
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An investor buying before selling another property.
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A developer requiring construction completion funding.
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A borrower accessing equity through a second mortgage.
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An existing private mortgage or caveat loan reaching maturity.
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A business addressing ATO or creditor obligations.
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A developer refinancing completed residual stock.
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A property owner requiring more time to complete a sale or refinance.
The proposed finance should solve a defined short-term requirement rather than postpone an unresolved financial problem.
How Does Private Lending Work?
The process begins with a clear summary of the transaction.
A borrower or referrer should provide:
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The borrower or borrowing entity.
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The Queensland property offered as security.
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Its estimated value.
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Existing mortgage and caveat balances.
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The amount required.
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The intended use of funds.
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The required timeframe.
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The proposed exit strategy.
If the scenario appears suitable, Assurity Capital may request property information, loan statements, ownership records, company or trust documents, evidence supporting the loan purpose and information about the proposed exit.
Any indicative terms remain subject to acceptable security, due diligence, legal documentation and final approval.
Private Lenders vs Banks in Queensland
Banks and private lenders can both provide property-backed finance, but their lending processes and suitable uses differ.
Banks commonly assess historical income, serviceability, financial statements, credit history and compliance with standard lending policy.
Private mortgage lenders may place greater emphasis on:
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The property offered as security.
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Available equity and LVR.
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The commercial purpose.
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The amount and term required.
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The proposed exit strategy.
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The overall circumstances of the transaction.
This can make private lending relevant where a transaction is viable but does not fit standard bank timing or criteria.
Private finance may involve higher rates and fees than mainstream bank lending. Borrowers should assess the total cost, property risk, loan term and available alternatives before proceeding.
Private Mortgage Lenders Queensland
Private mortgage lenders provide finance secured by real property. The lender may hold a first-ranking mortgage or rank behind an existing lender through a second mortgage.
Eligible security may include:
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Residential investment property.
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Commercial property.
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Industrial premises.
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Offices, retail premises and warehouses.
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Mixed-use property.
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Vacant land.
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Development sites.
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Partially completed projects.
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Completed residual stock.
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Eligible regional or rural property.
The property’s location, value, marketability, existing debt and proposed loan structure determine whether it may be accepted.
First Mortgage Loans Queensland
A private first mortgage gives the lender first-ranking security over the property.
First mortgage finance may be considered for:
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Purchasing investment property.
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Acquiring commercial or industrial premises.
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Refinancing eligible business or investment debt.
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Property development.
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Construction completion.
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Bridging a property settlement.
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Accessing equity for a defined commercial purpose.
The security, loan amount, LVR, purpose and exit strategy form part of the assessment.
Second Mortgage Loans Queensland
A private second mortgage ranks behind an existing first mortgage. It may allow an eligible borrower to access available property equity without refinancing the first loan.
Second mortgage finance may be considered for:
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Business cash flow.
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ATO and creditor payments.
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Development or construction expenses.
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Investment opportunities.
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Bridging requirements.
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Refinancing short-term debt.
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Other defined commercial purposes.
The first mortgage and proposed second mortgage are assessed together when calculating the combined LVR.
Bridging Loans Queensland
A bridging loan provides short-term finance between a property purchase, sale, settlement, development milestone or refinance.
Queensland bridging finance may help where:
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An investor is purchasing before selling.
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A settlement is due before sale proceeds become available.
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A refinance is progressing but has not settled.
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A developer needs funding before project completion.
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A borrower requires additional time to sell property.
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A business expects funds from an identifiable future event.
A credible exit strategy is essential. The proposed repayment may come from a property sale, mainstream refinance, development settlement or another verifiable source.
Secured Business Loans Queensland
A secured business loan uses acceptable property as security for an eligible commercial requirement.
Private business finance may be used for:
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Working capital.
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Stock and inventory.
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Equipment or project costs.
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Business expansion.
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Supplier and creditor payments.
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ATO liabilities.
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Commercial acquisitions.
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Refinancing eligible business debt.
The business purpose must be clearly defined and supported by a realistic repayment strategy.
Commercial Property Finance Queensland
Private commercial property finance may be secured by eligible offices, shops, warehouses, industrial premises, medical suites or mixed-use property.
It may assist with:
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Commercial property acquisition.
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Refinancing an existing commercial facility.
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Releasing equity for a business purpose.
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Bridging a commercial settlement.
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Funding eligible property improvements.
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Addressing a short-term commercial requirement.
Commercial property lending is assessed according to the property, occupancy, location, marketability, existing debt and proposed exit.
Property Development Finance Queensland
Private development finance may be considered for eligible residential, commercial or mixed-use projects across Queensland.
Potential uses include:
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Development-site acquisition.
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Remaining construction costs.
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Construction completion.
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Refinancing development debt.
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Bridging pending presales or settlements.
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Releasing equity from completed stock.
The assessment may consider the current site value, completed works, outstanding costs, project feasibility, existing debt, expected sales and proposed exit.
Construction Completion Finance
Construction completion finance may help an eligible developer finish a partially completed project before sale or refinance.
The assessment may examine:
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The current construction stage.
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Completed and outstanding works.
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The remaining project budget.
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Existing development debt.
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The estimated completed value.
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Project risks and marketability.
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The proposed completion and exit timeframe.
Residual Stock Finance Queensland
Residual stock finance is secured against completed but unsold property held by a developer.
Eligible stock may include completed apartments, townhouses, residential estates, commercial suites or other finished property.
Residual stock finance may help a developer:
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Refinance existing development debt.
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Release equity while remaining stock sells.
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Manage project holding costs.
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Support staged settlements.
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Fund another eligible business or investment requirement.
The completed value, debt position, sales progress, marketability and exit strategy form part of the assessment.
Refinancing Caveat Loans and Private Mortgages
A caveat loan is generally supported by a caveat lodged over property rather than a registered first or second mortgage.
Assurity Capital may consider refinancing an eligible:
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Caveat loan.
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Private first mortgage.
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Private second mortgage.
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Bridging facility.
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Maturing development loan.
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Short-term secured business facility.
The new facility must be supported by acceptable property security and a clear plan to repay the replacement loan.
Who Uses Private Lenders in Queensland?
Business Owners
Queensland business owners may require short-term property-backed finance for working capital, stock, expansion, tax obligations, creditor payments or commercial opportunities.
Property Investors
Investors may seek private finance for acquisitions, settlements, bridging, refinancing, improvements or equity access.
Property Developers
Developers may require funding for site acquisitions, construction completion, residual stock, project costs or refinancing.
Self-Employed Borrowers
A self-employed borrower may have suitable property security and a viable commercial transaction but documentation that does not fit a standard bank process.
Mortgage and Finance Brokers
Brokers may submit eligible first mortgage, second mortgage, bridging, development and secured business loan scenarios.
Accountants and Lawyers
Professional advisers may refer clients requiring property-backed finance for eligible business, investment, tax, creditor, settlement or refinancing purposes.
Private Lending Across South-East Queensland
Assurity Capital considers eligible private lending throughout South-East Queensland.
Brisbane
Private lending may be considered across Brisbane CBD, Inner Brisbane, North Brisbane, South Brisbane, East Brisbane, West Brisbane and surrounding suburbs.
Gold Coast
Eligible scenarios may involve property in Southport, Surfers Paradise, Broadbeach, Burleigh Heads, Robina, Coolangatta and surrounding Gold Coast areas.
Sunshine Coast
Private finance may be considered across Maroochydore, Mooloolaba, Caloundra, Noosa, Nambour and surrounding Sunshine Coast locations.
Ipswich and Logan
Eligible property-backed transactions may involve property throughout Ipswich, Springfield, Logan, Beenleigh and nearby growth areas.
Private Lending in Regional Queensland
Assurity Capital also considers suitable private lending scenarios outside South-East Queensland.
Potential locations include:
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Toowoomba and the Darling Downs.
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Bundaberg and the Wide Bay region.
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Hervey Bay and the Fraser Coast.
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Rockhampton and Central Queensland.
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Mackay and surrounding areas.
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Townsville and North Queensland.
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Cairns and Far North Queensland.
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Other eligible regional and rural locations.
Regional property may require a more detailed assessment of location, property type, marketability and exit strategy. Listing a location does not guarantee property acceptance or loan approval.
Why Consider Assurity Capital?
Assurity Capital is an established Australian private lender with more than 20 years of expertise, over 1,500 deals settled and more than $650 million in loans funded.
Borrowers and professional referrers approach Assurity Capital for:
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Private first and second mortgages.
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Queensland bridging loans.
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Secured business finance.
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Construction completion funding.
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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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Practical assessment of security, equity and exit strategy.
Every transaction is considered on its own circumstances. Published experience and lending volume do not guarantee approval, pricing, savings or settlement timeframes.
Risks and Costs of Private Lending
Private lending may involve higher interest and fees than conventional bank finance. Because the loan is secured against property, failure to meet the agreed obligations may place that property at risk.
Before proceeding, borrowers should understand:
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The interest rate and total interest cost.
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Establishment, legal, valuation and settlement fees.
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The loan term.
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The mortgage ranking.
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Interest-payment arrangements.
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Default interest and enforcement provisions.
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The proposed exit strategy.
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The consequences if a sale or refinance is delayed.
Independent legal, financial and tax advice may be appropriate before entering a private loan.
Frequently Asked Questions About Private Lenders Queensland
What does a private lender in Queensland do?
A Queensland private lender provides property-backed finance outside the traditional banking system for eligible business, investment, bridging, refinancing and development purposes.
How much can I borrow from a Queensland private lender?
The available amount depends on the property value, existing debt, acceptable LVR, loan purpose and exit strategy. Assurity Capital considers eligible scenarios from $50,000 to $5 million+.
Can a private lender provide a second mortgage?
Potentially. A second mortgage may allow an eligible borrower to access property equity while retaining the existing first mortgage. The combined LVR, purpose and exit strategy must be acceptable.
Can private lenders provide bridging loans in Queensland?
Private bridging finance may be considered for eligible Queensland property purchases, sales, settlements, developments and refinances where suitable security and a credible exit strategy are available.
Can I get private finance with bad credit?
Credit history may be considered, but private lenders also assess the property security, available equity, total debt, loan purpose and exit strategy. Bad credit does not guarantee approval or decline.
Can regional or rural property be used as security?
Eligible regional and rural property may be considered, but its location, use, value, marketability, existing debt and proposed exit strategy require individual assessment.
Can a private lender refinance a caveat loan?
Potentially. Assurity Capital considers caveat-loan and private-mortgage refinancing where acceptable property security and a realistic repayment plan are available.
Does Assurity Capital provide owner-occupied home loans?
No. Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Its private lending is for eligible business and investment purposes.
Submit Your Queensland Private Lending Scenario
If you require private property finance for an eligible business, investment or development purpose, Assurity Capital can review your Queensland scenario confidentially.
Provide the property address, estimated value, existing debt, amount required, intended use of funds, preferred timeframe and proposed exit strategy to begin an assessment.