Sunshine Coast Queensland coastal skyline representing property-secured private lending and bridging finance.

Private Lenders Sunshine Coast | Private Loans and Bridging Finance

Assurity Capital considers property-backed finance for Sunshine Coast businesses across the coastal centres and hinterland. An enquiry for a Maroochydore commercial tenancy can require different supporting information from a Maleny property-backed loan. Start with the asset’s current use, secured debt and how the business will repay the facility.

For local property security in and around Noosa, see Noosa private lending. For other Queensland regions, see the Queensland private lending guide.

Read the published Maleny second mortgage example; Noosa has its own lending guide. Request an initial assessment.

If you are seeking a private lender on the Sunshine Coast for a short-term property, business or commercial requirement, we assess the individual scenario: the security property, existing debt, requested loan amount, purpose of funds, timing and a clear exit strategy.

When funding is tied to a Sunshine Coast purchase or sale, send both dates and identify which event is expected to repay the loan. For a regional property, explain the existing use and the evidence supporting the valuation or proposed sale.

We do not provide consumer-purpose personal loans or owner-occupied home loans.

Private Lending on the Sunshine Coast

Private lending is non-bank finance secured by property. It may be relevant where a traditional bank cannot meet the required timeframe, a borrower has a complex structure, the property or transaction does not fit standard bank policy, or existing finance needs to be refinanced.

For eligible Sunshine Coast private-loan scenarios, Assurity Capital considers:

The property offered as security
The property’s type, location, value and marketability
Existing mortgages, caveats and other secured debt
Whether the loan is a first mortgage or second mortgage
The total loan-to-value ratio
The business, commercial or investment purpose
The required settlement date
A realistic and documented exit strategy

Private finance is generally short-term. It should support a defined commercial outcome and a clear repayment pathway.

Private Lenders for Sunshine Coast Business and Property Scenarios

Eligible borrowers may consider private lending for:

Urgent commercial or investment-property settlements
Bridging finance while awaiting a sale or refinance
Short-term business cash flow and working capital
Supplier payments, stock purchases or business expansion
Eligible business-related ATO debt and creditor payments
Refinance of an expiring private loan, caveat or second mortgage
Business and investment debt consolidation
Commercial property acquisition or refinance
Development, development-completion or residual stock funding
Self-employed and complex borrower scenarios
Bank declines where suitable security and a credible exit remain available

Assurity Capital can consider property security across the Sunshine Coast, including eligible scenarios involving Maroochydore, Noosa, Caloundra, Mooloolaba, Buderim, Nambour and surrounding areas.

First Mortgage Private Loans on the Sunshine Coast

A first mortgage is a loan secured by a first-ranking registered mortgage over property. The first mortgage lender has priority over other secured lenders in relation to that property.

A first mortgage private loan may be considered for eligible Sunshine Coast business, investment and commercial purposes, including property refinance, commercial acquisitions, urgent settlement funding, short-term finance, development requirements and bridging scenarios.

Explore related solutions:

First Mortgage Loans
Startup Business Finance
Short Term Business Loans
Secured Business Loans
Residual Stock Finance
Bridging Loans
Investment for Commercial Purposes
Low LVR Loans Under $1m

Second Mortgage Loans on the Sunshine Coast

A second mortgage is secured against property that already has an existing first mortgage. The existing first mortgage lender ranks ahead of the second mortgage lender.

A second mortgage may allow an eligible borrower to access property equity without necessarily refinancing their existing first mortgage. It may be considered for business cash flow, commercial obligations, investment opportunities, debt consolidation, eligible ATO-related business liabilities or refinance.

The combined LVR is important. It includes the current first mortgage plus the proposed second mortgage, compared with the assessed property value.

Explore related second-mortgage solutions:

Sunshine Coast Bridging Finance

Bridging finance is short-term property-secured funding that bridges the timing gap between two financial events.

An eligible borrower may use bridging finance to settle on a commercial or investment property before another property is sold, before bank refinance is completed, or before a development reaches a key milestone.

A strong bridging-finance application clearly identifies:

The security property
Current debt and payout figures
The required settlement date
The proposed sale, refinance or other exit event
The expected repayment timeframe

Bridging Loans

Secured Business Loans for Sunshine Coast Businesses

A secured business loan is finance supported by an asset, such as real estate. For eligible Sunshine Coast business owners, property-backed finance may assist with short-term working capital, stock, supplier payments, expansion costs, urgent commercial obligations or temporary cash-flow gaps.

Assurity Capital assesses the security property, total debt, business purpose and exit strategy. A secured business loan should support a clear commercial objective rather than delay an unsustainable debt problem.

Secured Business Loans and Business Cashflow and Expansion Loans

Private Lending for Self-Employed Borrowers

Self-employed borrowers can face difficulty with mainstream bank lending where income varies, financial statements are not current, taxable income does not reflect the overall position, or the borrower has a company or trust structure.

A bank decline does not automatically prevent private lending. Assurity Capital may consider eligible self-employed borrower scenarios where there is acceptable property security, a genuine business or commercial purpose and a realistic exit strategy.

Self-Employed Borrowers

Refinance Private Loans and Caveats

Assurity Capital may consider refinance for eligible borrowers with an expiring private loan, caveat-related arrangement, second mortgage or other property-secured business or investment debt.

The refinance must make commercial sense. Provide the current payout figure, property details, required timing, reason for refinance and a clear exit strategy from the new loan.

Refinancing short-term debt without a realistic repayment pathway may not be appropriate.

Refinancing Private Lenders or Caveats

Can Private Lending Help With ATO Debt or Creditor Payments?

A property-secured private loan may be considered for genuine business or investment-related ATO obligations, creditor payments and urgent commercial liabilities.

Borrowers should obtain independent legal, tax and accounting advice before replacing existing liabilities with private finance. The loan should form part of a practical commercial solution with a defined repayment plan.

ATO & Creditor Payment Loans

What Is LVR in Private Lending?

LVR means loan-to-value ratio. It compares total debt secured against a property with the property’s assessed value.

For example, if a Sunshine Coast property is valued at $1,000,000 and total secured debt is $600,000, the LVR is 60%.

For a second mortgage, the lender assesses the combined LVR, which includes both the existing first mortgage and proposed second mortgage. Acceptable LVR depends on the security property, mortgage ranking, purpose, loan term and exit strategy.

How Quickly Can a Sunshine Coast Private Loan Settle?

For a Sunshine Coast bridging enquiry, identify the date funds are needed and when sale proceeds or refinance funds are expected. Valuation, legal work and the readiness of the repayment event affect settlement timing.

Settlement timing is not guaranteed. It depends on security review, valuation requirements, existing mortgages, legal documentation, borrower entity documents, solicitor availability and final approval conditions.

What Information Is Needed for a Private Loan Enquiry?

For an initial assessment, provide:

Property address and security type
Estimated property value or recent valuation, if available
Existing mortgage balances and payout figures
Requested loan amount
Clear purpose of funds
Borrower structure, including company or trust information where relevant
Required settlement date
Any relevant contracts, statements or creditor payout figures
A clear exit strategy

The more complete the initial information, the easier it is to assess whether the scenario may fit Assurity Capital’s lending criteria.

What Is an Exit Strategy?

An exit strategy is the borrower’s defined plan to repay the private loan at or before the end of the agreed term.

Common exits include:

Sale of the security property
Refinance to a bank or non-bank lender
Sale of another property or asset
Development completion and sale
Settlement proceeds from a transaction
Another documented business or investment funding source

A private loan should not be entered into without a credible, evidence-based exit strategy.

Is a Private Lender Right for Me?

Private lending may be suitable where there is:

A genuine business, commercial or eligible investment purpose
Acceptable Australian property security
Sufficient equity after existing debt
A defined short-term funding need
A clear commercial outcome
A realistic exit strategy

It may not be suitable for personal expenses, owner-occupied home lending, long-term unsustainable debt or a scenario without acceptable property security and a credible repayment plan.

Submit a Sunshine Coast Private Lending Scenario

Assurity Capital considers eligible private-lending scenarios across the Sunshine Coast and Queensland.

Call 02 9389 1077 or email scenario@assuritycapital.com.au with:

Property address
Requested loan amount
Existing debt
Purpose of funds
Required timeframe
Proposed exit strategy

General information only. Finance is subject to assessment, acceptable security, genuine business, commercial or investment purpose, lender criteria, fees, legal documentation and approval. Rates, fees, loan terms and settlement timeframes vary by transaction.

Assurity Capital does not provide personal loans or consumer-purpose owner-occupied home loans.

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