First Mortgages

Fast, Flexible First Mortgage Lending – For Non-Coded Loan Scenarios Only

At Assurity Capital, we specialise in 1st mortgage private loans for non-coded loan scenarios—that is, loans not regulated by the National Consumer Credit Protection Act (NCCP). We fund property-secured loans for business, investment, commercial, and development purposes only.

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A first mortgage private loan is a loan secured by a primary registered mortgage over real estate. It gives the lender first priority on the title. Assurity Capital provides first mortgage loans strictly for non-consumer purposes, such as:

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• Business use

• Investment or commercial purposes

• Development or construction funding

• Refinancing of existing business or private debt

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We do not provide owner-occupied or consumer home loans regulated under the NCCP. All loans must be for non-personal, non-domestic purposes.

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Why Borrowers Choose Assurity Capital for First Mortgages?​

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• Fast Settlements - We can settle second mortgages in 2–5 business days, often with no formal valuation required for lower LVRs.

• Loan Amounts from $50,000 to $5,000,000, From small working capital loans to large structured facilities.

• Up to 70% Combined LVR across 1st and 2nd mortgages, based on location, asset type, and exit strategy.

• Flexible Security. We lend against residential, commercial, and multi-property security Australia-wide.

• Minimal Paperwork. We focus on asset value and purpose—not lengthy income verification or tax returns.

• No Consumer Loans. We only fund non-coded, business or investment-purpose loans.