Private Lenders Victoria for Property-Secured Business Finance

Assurity Capital is an Australian non-bank private lender providing property-secured finance across Victoria. We consider private loans from $50,000 to $5 million and above for eligible business, investment and commercial purposes.

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Our Victorian private lending solutions include first mortgage loans, second mortgages, bridging finance, secured business loans, commercial property finance, construction completion funding, property development finance, residual stock loans and refinancing of existing private loans or caveat facilities.

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Assurity Capital works with Victorian business owners, property investors, developers, self-employed borrowers, companies, trusts, mortgage brokers, accountants and solicitors. Applications are assessed according to the security property, loan purpose, total debt position, proposed loan-to-value ratio and a clear exit strategy.

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Private lending may be considered when a transaction is commercially viable but does not fit a bank’s policy, documentation requirements or available timeframe.

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Submit Your Victorian Private Lending Scenario

Call Assurity Capital: 02 9389 1077

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Finance is available for eligible business, investment and commercial purposes only. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans.

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Find Private Lenders Across Victoria

Explore private lending information for your location:

• Private Lenders Melbourne

• Private Lenders Geelong

• Private Lenders Ballarat

• Private Lenders Bendigo

• Private Lenders Mornington Peninsula

• Private Lenders Gippsland

• Private Lenders Regional Victoria

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If your location is not listed, contact Assurity Capital. Eligible private mortgage and business finance applications may be considered throughout Victoria, subject to the property, location, valuation, purpose, leverage and exit strategy.

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Victorian Private Loan Products

Explore Assurity Capital’s property-secured finance solutions:

• First Mortgage Private Loans

• Second Mortgage Loans

• Bridging Loans

• Secured Business Loans

• Short-Term Business Loans

• Residual Stock Finance

• ATO and Creditor Payment Loans

• Private-Lender and Caveat Refinancing

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Assurity Capital’s Victorian Private Lending at a Glance

• Provider: Assurity Capital

• Provider type: Australian non-bank private lender

• Service area: Melbourne and eligible metropolitan, coastal and regional Victorian locations

• Loan amounts: From $50,000 to $5 million and above

• Purposes: Eligible business, investment and commercial purposes

• Security: Eligible Australian residential investment, commercial, industrial, development and land assets

• Loan types: First mortgages, second mortgages, bridging loans, secured business finance, development funding and private-loan refinancing

• Experience: More than 20 years

• Transactions completed: More than 1,500

• Capital funded: More than $875 million

• Assessment: Security property, existing debt, purpose, leverage, risks and exit strategy

• Important condition: All finance remains subject to assessment, acceptable security, lending criteria, legal documentation and approval

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What Is a Private Lender in Victoria?

A private lender in Victoria provides finance outside the standard major-bank lending process. Private loans are frequently secured by Victorian real estate and structured for a defined business, investment or commercial purpose.

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A private mortgage lender may assess an application by considering:

• The value and marketability of the security property

• The property’s Victorian location

• Existing mortgages, caveats and secured liabilities

• The required mortgage position

• The total loan-to-value ratio

• The intended use of the money

• The proposed loan term

• Interest payment arrangements

• The borrower’s experience and circumstances

• The strategy for repaying the loan at maturity

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Private lending is not automatic or unrestricted finance. The lender still conducts due diligence and must be satisfied that the proposed loan, security and exit strategy are acceptable.

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Why Victorian Borrowers Use Private Lending

Private lending is generally used to solve a defined funding problem or complete a time-sensitive transaction.

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Victorian borrowers may consider a private loan when they need to:

• Complete an urgent property settlement

• Purchase commercial or investment property

• Refinance an expiring mortgage

• Replace a maturing private loan

• Refinance eligible caveat-related finance

• Release property equity for business purposes

• Fund working capital or expansion

• Address eligible ATO or creditor obligations

• Complete a delayed construction project

• Fund a property development

• Release equity from completed residual stock

• Bridge the period between a purchase and sale

• Consolidate eligible business or investment debt

• Act on a time-sensitive commercial opportunity

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A bank decline does not guarantee approval from a private lender. Assurity Capital evaluates every application on its individual merits.

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Is Assurity Capital a Private Lender or Finance Broker?

Assurity Capital is an Australian non-bank private lender.

This distinction is important because some businesses appearing in searches for “private lenders Victoria” are finance brokers or comparison services that submit applications to a panel of third-party lenders.

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A private lender provides or manages property-secured lending solutions under its own lending criteria. A finance broker generally compares or arranges finance through other lenders.

Borrowers should always establish who is providing the loan, who is receiving any fees and which entity will hold the mortgage security before accepting a finance offer.

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Private Lenders Versus Banks in Victoria

Banks and private lenders serve different types of funding requirements.

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When Bank Finance May Be More Appropriate

Bank finance may be more suitable when:

• The borrower satisfies conventional serviceability requirements

• Complete financial documents are available

• The transaction fits standard bank credit policy

• Settlement is not urgent

• Long-term principal-and-interest finance is required

• The borrower’s priority is obtaining the lowest available finance cost

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When Private Lending May Be Considered

Private lending may be considered when:

• Settlement or refinancing is time-sensitive

• The borrower has a complex or non-standard financial position

• The security property falls outside ordinary bank policy

• A short-term funding bridge is required

• Existing property equity supports the request

• The borrower requires a tailored mortgage structure

• A bank cannot complete its assessment within the required timeframe

• A credible sale, refinance or development exit is available

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Private finance generally costs more than conventional bank finance. The expected commercial benefit should be weighed against the interest, fees, legal expenses, valuation costs and risks.

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First Mortgage Private Loans Victoria

A first mortgage gives the lender the first-ranking registered mortgage over the security property.

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First mortgage private loans in Victoria may be considered for:

• Commercial property acquisition

• Investment property acquisition

• Refinancing existing property debt

• Business working capital

• Business expansion

• Development-site acquisition

• Construction or development expenses

• Urgent settlements

• Commercial debt consolidation

• Releasing property equity for an eligible purpose

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First-ranking security generally presents less risk than a second mortgage because the first mortgage lender has priority over later registered mortgage interests. However, the available amount and terms still depend on the property, location, purpose, leverage and exit strategy.

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Second Mortgage Loans Victoria

A second mortgage is registered behind an existing first mortgage. It may allow an eligible borrower to access additional equity without replacing the entire first mortgage facility.

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Victorian second mortgage loans may potentially fund:

• Business working capital

• Stock and equipment purchases

• Business expansion

• Eligible ATO or creditor payments

• Investment-related expenditure

• Development or construction costs

• Urgent commercial liabilities

• Business or investment debt consolidation

• Short-term commercial opportunities

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The assessment generally considers the amount owed to the first mortgage lender, the proposed second mortgage, the combined loan-to-value ratio, available equity and exit strategy.

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The first mortgage lender may need to provide consent or enter an appropriate priority arrangement. All mortgage interests must be properly disclosed.

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Bridging Loans Victoria

A bridging loan provides short-term finance between two financial events.

Bridging finance in Victoria may be considered when:

• A new investment or commercial property must settle before another property is sold

• A property sale has exchanged but settlement has been delayed

• A bank refinance will not be completed before an existing loan matures

• A developer needs temporary capital before project proceeds become available

• A construction project requires short-term completion funding

• A business must complete a time-sensitive property transaction

• Longer-term finance has been approved but is not yet available

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A bridging loan requires a defined repayment event. This may be the sale of a property, completion of a refinance, receipt of development proceeds or another identifiable source.

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Secured Business Loans Victoria

A secured business loan uses eligible real estate as security for a genuine commercial funding requirement.

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Victorian property owners may use secured business finance for:

• Working capital

• Business expansion

• Stock and inventory

• Equipment acquisition

• Supplier payments

• Commercial property purchases

• Marketing and project expenditure

• Business-related tax obligations

• Short-term cash-flow gaps

• Urgent commercial opportunities

• Refinancing expensive business debt

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Applications may be considered from companies, trusts, self-employed borrowers, property investors, developers and other eligible commercial borrowers.

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Commercial Property Finance Victoria

Private commercial property finance may be relevant when a business or investor needs to purchase, refinance or release equity from:

• Offices

• Retail premises

• Warehouses

• Industrial property

• Medical or professional suites

• Mixed-use buildings

• Development sites

• Commercial land

• Specialised commercial assets assessed individually

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Assurity Capital considers the property’s value, condition, location, tenancy position, marketability, existing debt and intended loan purpose.

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Property Development Finance Victoria

Victoria’s property market includes metropolitan infill development, townhouse projects, apartment developments, land subdivisions, industrial projects and regional development opportunities.

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Private property development finance may be considered for:

• Development-site acquisition

• Pre-development expenditure

• Planning and professional costs

• Construction funding

• Completing partially constructed projects

• Addressing construction cost overruns

• Refinancing an existing development lender

• Funding a project while property stock is sold

• Releasing equity from completed development stock

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Assessment may include the current site value, completed value, remaining costs, development approvals, presales, borrower experience, quantity surveyor information and the proposed repayment strategy.

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Private finance cannot correct an unviable project. The development, remaining budget and exit strategy must support the requested facility.

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Construction Completion Loans Victoria

A construction completion loan may assist where a Victorian property project is partly completed but the existing funding is insufficient, delayed or approaching maturity.

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Assurity Capital may consider funding for:

• Remaining construction expenses

• Approved variations

• Contractor or consultant payments

• Essential works required for completion

• Refinancing an existing construction facility

• Costs required to reach occupancy, registration or sale

• Short-term funding pending project receipts

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Applicants should be prepared to provide information about the current project status, approvals, remaining budget, existing liabilities, expected completion date and intended exit.

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Residual Stock Finance Victoria

Residual stock finance is secured against completed but unsold property held by a developer or investor.

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A residual stock loan may help an eligible borrower:

• Refinance a construction facility

• Release capital from completed apartments or townhouses

• Meet outstanding project costs

• Support cash flow during the sales period

• Avoid an unnecessarily rushed sale campaign

• Fund another eligible investment or development opportunity

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The lender will generally assess the completed properties, independent value, existing debt, sales history, requested leverage and expected repayment timeframe.

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Refinancing Private Loans and Caveats in Victoria

Private mortgages and caveat-related finance typically have defined maturity dates. Borrowers should begin considering their exit before the existing facility expires.

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Assurity Capital may consider refinancing:

• An expiring first mortgage

• A maturing second mortgage

• Eligible caveat-related funding

• Short-term commercial finance

• Development or construction debt

• A private loan that cannot be refinanced by a bank in time

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The assessment will generally include the current payout amount, registered security interests, property value, mortgage priority, loan purpose, arrears position and repayment strategy.

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Leaving a refinance until the final days before maturity can reduce the available options and increase the risk of default interest, enforcement costs or other adverse consequences.

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Private Loans for ATO and Creditor Payments

Property-secured finance may be considered for genuine business or investment-related tax obligations and creditor payments.

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This type of finance may give an eligible Victorian borrower time to:

• Address an urgent ATO liability

• Pay critical suppliers

• Prevent disruption to business operations

• Complete a bank refinance

• Collect outstanding invoices

• Sell an asset

• Implement a longer-term restructuring plan

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Borrowing to pay existing liabilities does not remove the underlying repayment obligation. A credible plan for repaying the private loan remains essential.

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Does Private Lending Mean No-Doc or No Credit Check?

No. Private lending does not mean that a borrower receives finance without assessment or documentation.

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The amount and type of information required may differ from a conventional bank application. A private lender may place greater emphasis on the security property, loan purpose and exit strategy, but due diligence is still required.

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Applicants may need to provide:

• Identification and borrowing-entity documents

• Security property information

• Current mortgage and caveat statements

• Council rates or land-tax information

• Evidence supporting the loan purpose

• Company or trust documents

• Valuation information

• Construction or development documents

• Details of the repayment or exit strategy

• Independent legal advice where required

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Previous credit issues or limited conventional income documents may be considered as part of the overall scenario, but they are not automatically ignored.

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What Properties Can Secure a Private Loan in Victoria?

Depending on the application and lending criteria, security may include:

• Residential investment property

• Commercial property

• Industrial property

• Development sites

• Vacant land

• Completed development stock

• Mixed-use property

• Regional property assessed individually

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Specialised, rural and regional properties require individual assessment. Property type, location, market depth and saleability can affect the acceptable LVR and loan amount.

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How Much Can I Borrow From a Private Lender in Victoria?

Assurity Capital considers private loans from $50,000 to $5 million and above.

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The amount available depends on:

• The accepted value of the security property

• The security location and marketability

• Existing mortgages and caveats

• The required mortgage position

• The total LVR

• The loan purpose

• The proposed term

• Interest and fee arrangements

• The borrower’s exit strategy

• The overall transaction risk

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Property value alone does not determine borrowing capacity.

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How Does LVR Work in Private Lending?

Loan-to-value ratio, or LVR, compares the secured debt with the accepted property value.

For example, if a Victorian property is valued at $2 million and the total debt secured against it is $1.2 million, the LVR is 60%.

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For a second mortgage application, the combined LVR includes both the existing first mortgage and the proposed second mortgage.

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Lower leverage can improve the strength of a transaction, but LVR is only one part of the assessment.

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How Are Private Loan Interest and Fees Determined?

Private lending does not have one universal interest rate.

Pricing may depend on:

• Loan amount

• First or second mortgage position

• Property type and location

• LVR

• Loan purpose

• Proposed loan term

• Interest-servicing arrangement

• Time available to complete the transaction

• Exit strategy

• Overall risk

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Borrowers should review the complete finance cost, including the interest rate, establishment fee, valuation fee, legal expenses, discharge costs, default provisions and any early-repayment conditions.

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What Is an Exit Strategy?

An exit strategy explains how a short-term private loan will be repaid at or before maturity.

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Common exit strategies include:

• Selling the security property

• Refinancing to a bank or another lender

• Selling another property or business asset

• Receiving proceeds from completed development stock

• Completing a construction project and refinancing

• Receiving documented commercial proceeds

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The exit should be specific, credible and achievable within the proposed loan term.

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Who Assurity Capital Works With in Victoria

Assurity Capital considers eligible enquiries from:

• Business owners

• Property investors

• Commercial property owners

• Property developers

• Builders

• Self-employed borrowers

• Companies and trusts

• Mortgage and finance brokers

• Accountants

• Solicitors and conveyancers

• Professional advisers

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Brokers and advisers may submit an initial scenario for assessment on behalf of an eligible client.

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Private Lending Across Victoria

Assurity Capital considers eligible private mortgage and property-secured business finance applications throughout Victoria.

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Melbourne and Greater Melbourne

Coverage includes Melbourne CBD, the inner suburbs, eastern suburbs, south-eastern growth corridor, northern suburbs, western suburbs, Bayside and the Mornington Peninsula.

Relevant locations include Richmond, South Yarra, Toorak, Hawthorn, Kew, Brighton, Caulfield, Dandenong, Clayton, Box Hill, Ringwood, Preston, Coburg, Essendon, Footscray, Sunshine, Werribee, Caroline Springs, Frankston and surrounding districts.

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Geelong and the Bellarine Peninsula

Private lending applications may be considered across Geelong, Belmont, Newtown, Grovedale, Lara, Torquay, Ocean Grove and eligible Bellarine Peninsula locations.

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Ballarat, Bendigo and Central Victoria

Eligible commercial, investment and development finance scenarios may be considered in Ballarat, Bendigo, Castlemaine, Daylesford and surrounding Central Victorian locations.

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Gippsland and the Latrobe Valley

Coverage may include Warragul, Drouin, Traralgon, Morwell, Sale, Bairnsdale and other eligible Gippsland locations.

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Northern and Western Victoria

Applications may also be considered in Shepparton, Wangaratta, Wodonga, Mildura, Horsham, Warrnambool and other established regional centres.

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Regional and specialised properties are assessed case by case. Location, property type, valuation evidence and marketability may affect the outcome.

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How the Victorian Private Lending Process Works

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1. Submit the Lending Scenario

Provide the requested loan amount, purpose, security address, estimated property value, existing debt, required settlement date and proposed exit strategy.

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2. Initial Assessment

Assurity Capital reviews the property, mortgage position, leverage, commercial purpose and repayment strategy.

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3. Indicative Terms

If the scenario appears suitable, indicative terms may set out the proposed amount, interest, fees, security, term and conditions.

Indicative terms do not constitute final approval.

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4. Due Diligence and Valuation

The lender reviews the required supporting information, title position, valuation evidence and transaction documents.

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5. Legal Documentation

Approved facilities are documented by the relevant legal representatives. Borrowers should obtain independent legal advice.

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6. Settlement

Settlement can occur once all approval conditions, legal documentation and security requirements have been satisfied.

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Timing depends on the valuation, documents, legal process, transaction complexity and readiness of the parties. No settlement timeframe is guaranteed.

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Victorian Private Lending Example

Assurity Capital arranged a $420,000 second mortgage secured against property in Brighton East, Victoria.

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• Loan type: Second mortgage

• Purpose: Refinancing business debt

• Loan amount: $420,000

• LVR: 68%

• Location: Brighton East, Victoria

• Settlement: Completed in four business days

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The funding was used to refinance business debt and address a time-sensitive creditor position.

This historical example does not guarantee that another borrower will receive the same amount, terms, LVR or settlement timeframe.

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Frequently Asked Questions About Private Lenders Victoria

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What is a private lender in Victoria?

A private lender provides finance outside the standard major-bank lending process. Private loans are commonly secured by property and used for eligible business, investment or commercial purposes.

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Does Assurity Capital lend throughout Victoria?

Assurity Capital considers eligible applications throughout Melbourne and metropolitan, coastal and regional Victoria. Every property and location is assessed individually.

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Is private lending legal in Victoria?

Private lending is a recognised form of finance in Australia. The applicable legal and regulatory requirements depend on the borrower, purpose, security and transaction structure. Borrowers should obtain independent legal advice before entering a private mortgage.

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Can I apply after a bank decline?

Yes, an application may still be considered. A bank decline does not guarantee private-loan approval. The security property, purpose, debt position, leverage, risks and exit strategy must satisfy the relevant lending criteria.

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Can self-employed borrowers apply?

Eligible self-employed borrowers may apply for property-secured business or investment finance. Documentation requirements depend on the transaction and proposed repayment strategy.

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How quickly can a private loan settle in Victoria?

Private finance can sometimes be completed faster than bank finance. However, timing depends on the valuation, documents, legal work, approval conditions and transaction complexity. Settlement timeframes are not guaranteed.

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Can I obtain a second mortgage without refinancing my bank loan?

Potentially. A second mortgage may enable an eligible borrower to retain the first mortgage while accessing additional property equity. The first mortgage, available equity, combined LVR and lender requirements must be assessed.

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Are private loans available for property development?

Assurity Capital may consider eligible site acquisition, construction completion, development and residual stock funding. Approval depends on the property, project feasibility, costs, experience, leverage and exit strategy.

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Can a private loan refinance a caveat?

Eligible caveat-related finance may be considered for refinancing. Assurity Capital will need to assess the caveat, current payout amount, property value, registered interests, purpose and proposed exit.

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Do private lenders offer no-doc loans?

Private lenders may use different documentation requirements from banks, but every legitimate application requires assessment and due diligence. The documentation required depends on the borrower, security, purpose and exit strategy.

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What do Victorian private lenders charge?

Rates and fees vary according to the loan amount, mortgage position, property, LVR, purpose, term, exit strategy and overall risk. Borrowers should compare the complete facility cost, not only the stated interest rate.

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Does Assurity Capital provide private home loans?

Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans. Finance is available for eligible business, investment and commercial purposes only.

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How do I apply for private lending in Victoria?

Provide the requested amount, loan purpose, security property address, estimated value, existing debt, required timeframe and exit strategy. Assurity Capital can then conduct an initial scenario assessment.

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Speak With a Victorian Private Lending Specialist

If you require a private lender in Victoria for a first mortgage, second mortgage, bridging loan, secured business loan, development facility or private-loan refinance, contact Assurity Capital.

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For an initial assessment, provide:

• Requested loan amount

• Loan purpose

• Security property address

• Estimated property value

• Existing mortgage and caveat balances

• Required settlement date

• Proposed repayment or exit strategy

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Phone: 02 9389 1077

Email: scenario@assuritycapital.com.au

Submit Your Victorian Private Lending Scenario

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All finance is subject to assessment, acceptable security, lending criteria, valuation where required, legal documentation and final approval. Rates, fees and terms depend on the individual transaction.