Why Choose Assurity Capital | Private Lender Australia

Why Choose Assurity Capital for Private Lending?

Assurity Capital is an Australian non-bank private lender providing first mortgages, second mortgages, bridging finance and secured business loans for eligible business and investment purposes.

Borrowers and professional referrers choose Assurity Capital when they need a practical, property-backed finance solution for a time-sensitive or more complex transaction. We assess the full scenario—security property, available equity, existing debt, purpose of funds, required timeframe and exit strategy—rather than relying only on a standard bank lending model.

With more than 20 years of expertise, over 1,500 deals settled and more than $650 million in loans funded, Assurity Capital provides experienced private lending support for borrowers, mortgage brokers, accountants, lawyers, developers and property professionals across Australia.

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

A Private Lender for Time-Sensitive Business and Property Finance

Private lending can be appropriate when a borrower has suitable Australian property security, sufficient equity and a realistic strategy to repay or refinance the loan, but needs an alternative to a traditional bank process.

A mainstream bank may not suit a transaction where:

A settlement deadline is approaching.
Financials are not current or do not fit standard lending criteria.
A borrower needs to refinance a private lender or caveat loan.
A property sale or mainstream refinance is underway but not yet complete.
An existing first mortgage should not be disturbed.
A business needs short-term funding for a defined commercial purpose.
A developer or investor needs to complete a property-related transaction.

Assurity Capital provides private mortgage solutions designed around the specific transaction, security position and exit strategy.

Property-Backed Lending With a Clear Exit Strategy

A private loan should always have a defined reason, timeframe and repayment pathway. At Assurity Capital, a clear exit strategy is central to every lending assessment.

What Is an Exit Strategy?

An exit strategy explains how the private loan is expected to be repaid at the end of its term. Depending on the transaction, this may include:

Sale of the security property or another asset.
Refinance to a bank or non-bank lender.
Completion and sale of a development project.
Settlement of an incoming property transaction.
Verified business proceeds or another defined funding event.

A clear exit strategy helps ensure that short-term private finance is structured appropriately around the borrower’s actual circumstances and expected timeframe.

Why Is Security Property Important?

Private lending is asset-backed finance. The value, location, property type and existing debt over the security property are key considerations.

Assurity Capital may consider eligible residential investment property, commercial property, industrial property, vacant land and other acceptable Australian real estate. The security is assessed alongside the amount requested, existing mortgages, total LVR and exit strategy.

First and Second Mortgage Lending Solutions

Assurity Capital offers private lending options for different property-backed business and investment requirements.

First Mortgage Loans

A first mortgage is secured with first-ranking priority over property. It may be suitable for property acquisition, business finance, investment, refinancing, development funding or urgent settlement scenarios where the security and exit strategy meet lending criteria.

Second Mortgage Loans

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

Second mortgage loans can be considered for business cash flow, property development, bridging finance, ATO liabilities, creditor payments, refinancing a private lender or other defined business and investment purposes.

Bridging Finance

Bridging finance provides short-term funding between a property purchase, sale, settlement, construction milestone or refinance.

A private bridging loan may be appropriate where a borrower has available property equity and needs finance before another planned transaction is completed. The anticipated sale, refinance or other repayment event must be realistic and clearly identified.

Secured Business Loans

A secured business loan is property-backed finance for a defined commercial purpose. It may assist with working capital, expansion costs, stock purchases, creditor obligations, tax liabilities, settlement requirements or a time-sensitive commercial opportunity.

A Practical Assessment of Complex Scenarios

Not every borrower or transaction fits a standard lending process. Assurity Capital considers private lending scenarios based on the overall commercial position.

Property Equity and Combined LVR

Available equity is assessed after considering existing mortgages, caveats and other registered interests over the security property.

For a second mortgage, the combined loan-to-value ratio includes both the first mortgage and the proposed second mortgage. This helps determine the total level of debt secured against the property.

Purpose of Funds

We need to understand exactly what the finance will be used for. Assurity Capital considers loans for genuine business and investment purposes, rather than personal, household or owner-occupied home purposes.

Timeframe Required

Private finance is generally short-term. The required term should align with the borrower’s expected exit, whether that is a sale, refinance, settlement or another clear funding event.

Borrower and Ownership Structure

Private lending scenarios can involve individuals, companies, trusts, joint borrowers and more complex property ownership structures. The borrower, guarantor and security arrangements are reviewed as part of the transaction.

Why Borrowers Choose Assurity Capital

Borrowers choose Assurity Capital when they need a private lender that understands the urgency and commercial context behind a property-backed finance requirement.

Maintain an Existing First Mortgage

A second mortgage may allow an eligible borrower to access available equity while keeping an existing first mortgage in place. This can be useful where refinancing the first loan would be time-consuming, impractical or undesirable.

Consider Short-Term Funding Requirements

Some transactions do not need a long-term loan. They need funding to cover a specific period before a sale, settlement, refinance or business event. Private lending can be structured around that defined short-term need.

Assess Property Security and Exit, Not Just a Credit Score

Credit history can be considered, but it is not the only factor in a private lending assessment. The property security, existing debt, available equity, purpose of funds and exit strategy are all important.

Work With an Australian Private Lender

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

Why Professional Referrers Work With Assurity Capital

Mortgage brokers, finance brokers, accountants, lawyers and property professionals often work with Assurity Capital when a client requires a specialist private lending assessment.

Mortgage and Finance Brokers

Brokers can submit eligible first mortgage, second mortgage, bridging loan and secured business loan scenarios where a client needs a private lending alternative.

Accountants

Accountants may refer business owners or investors who need short-term, property-backed funding for working capital, tax obligations, a refinance or a commercial transaction.

Lawyers and Solicitors

Lawyers may refer clients facing settlement deadlines, creditor matters, property transactions or refinance requirements where timing and security structure are important.

Property Investors and Developers

Investors and developers may require private finance to acquire property, complete a project, manage a settlement, bridge a sale and purchase, or refinance an existing facility.

Private Lending Is Not Suitable for Every Scenario

Private lending can be useful, but it is not a one-size-fits-all solution. A borrower should understand the interest, fees, loan term, property security and consequences of not meeting repayment obligations before proceeding.

Assurity Capital will only consider scenarios that have an appropriate business or investment purpose, suitable security and a credible exit strategy. If a private loan is not suitable for the transaction, it should not be used.

Frequently Asked Questions

Why choose a private lender instead of a bank?

A private lender may be relevant where a borrower needs short-term property-backed finance, has a time-sensitive transaction, requires a more flexible assessment or does not fit a standard bank process. It is not automatically a better option; suitability depends on the transaction, security and exit strategy.

What makes Assurity Capital different from a traditional lender?

Assurity Capital is a non-bank private lender focused on property-backed first mortgages, second mortgages, bridging finance and secured business loans for eligible business and investment purposes. Each transaction is assessed on the overall security position, purpose of funds and exit strategy.

Can Assurity Capital provide a second mortgage without refinancing my first mortgage?

Potentially. A second mortgage ranks behind the existing first mortgage and may allow a borrower to access available property equity without replacing the first loan. The property, existing debt, combined LVR and exit strategy must be assessed.

Can I use private lending for ATO debt or creditor payments?

Private lending may be considered for eligible business or investment purposes, including ATO liabilities and creditor payments, where there is suitable property security and a defined exit strategy.

Does Assurity Capital lend Australia-wide?

Yes. Assurity Capital considers eligible private lending scenarios throughout Australia, including capital cities and regional locations.

Does Assurity Capital provide owner-occupied home loans?

No. Assurity Capital does not provide regulated consumer loans or owner-occupied home loans.

Discuss Your Private Lending Scenario

If you need private property finance for a business or investment purpose, Assurity Capital can review your scenario confidentially.

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