Loan Amount: $5.2 million
Loan Type: First mortgage loan
Problem: Client needed urgent capital for a development opportunity but had funds tied up in a luxury apartment
Solution: A 6-month first mortgage loan secured against the property allowed time for a strategic sale
Outcome: The business secured the deal and maximised the property’s value by avoiding a rushed sale
You’re standing on the brink of a high-value business opportunity. A property development deal has surfaced, the kind that doesn’t wait around. But most of your liquidity is tied up in a prime asset — a luxury apartment worth millions. Selling it quickly to raise funds might feel like your only option, but deep down, you know rushing the sale could cost you more in the long run.
This is exactly the kind of situation where short term first mortgage finance becomes an invaluable tool. Rather than sacrificing your asset in a fire-sale, you can use it strategically to unlock capital and take action when the timing is critical.
The Capital Challenge: Why Selling Assets Isn’t Always the Answer
In this real-life case, our client was a successful entrepreneur in the property space. They had a strong track record and were ready to move on a lucrative development opportunity. The only roadblock? Their working capital was locked in a high-end apartment. A traditional lender wouldn’t move quickly enough, and a rushed sale of the apartment would have meant accepting less than its true market value.
Forced sales rarely serve business owners. Not only do you lose bargaining power, but you also risk disrupting your broader business strategy. In this case, the entrepreneur didn’t want to let go of a quality asset under pressure. What they needed was breathing room — time to realise the property’s full value while simultaneously progressing on their next venture.
That’s where Secured Lending came in.
Fast First Mortgage Finance: A Tailored $5.2M Solution
We assessed the property and the client’s business position and structured a $5.2 million first mortgage loan against the apartment. This loan was issued on a 6-month term, giving the client immediate access to the capital required without needing to liquidate their asset.
The key features of this facility were:
Speed: Funds were approved and released within days.
Short Term: A 6-month loan provided time for a strategic property sale.
Control: The borrower maintained full control over the sales process.
Value Protection: No need to discount the property to achieve a quick sale.
This kind of facility is designed specifically for business owners who are asset-rich but need fast-moving capital. Unlike traditional bank finance, which often involves long approval processes, we provide direct solutions with minimal red tape. That’s essential when timing can make or break a deal.
Why a First Mortgage Loan Was the Smarter Alternative
A first mortgage loan might sound like something reserved for residential buyers. But in the private lending space, it serves a very different purpose. For businesses, it allows you to unlock the value of real estate holdings to fund business growth, stabilise cash flow, or even buy time for more complex restructuring.
For our client, the first mortgage loan didn’t just provide funding — it provided options:
They didn’t have to sell in haste
They had time to run a proper campaign to market the apartment
They could commit to the development project with confidence
The entire transaction reflected what short term secured lending does best: it bridges the gap between opportunity and liquidity without forcing owners to compromise on their long-term plans.
Are First Mortgage Loans Just for Distressed Borrowers?
Not at all. In fact, many of our clients aren’t in distress — they’re simply in a position where traditional finance won’t act fast enough. Banks often assess loans through a narrow lens, looking mainly at historical earnings. But business doesn’t always work on that timeline.
What if your opportunity needs funding this week?
That’s where private lending plays a critical role. Whether it’s first or second mortgages, caveat loans or bridging finance, the value lies in speed, flexibility, and an understanding of your broader business goals.
At Secured Lending, we specialise in fast-turnaround finance solutions tailored to unique situations. Our suite of products includes:
If your client, or your own business, is looking for a smart alternative to traditional lending with a quick turnaround, we’re here to help. Our experienced team will work with you to find the right structure, fast.
Speak to a lending specialist today on 1300 795 175 or email info@securedlending.com.au to learn how we can support your next move.
