Private Lending Solutions for Real Estate and Property Investors

Secured Lending is a private, non-bank lender. We fund property investors and real estate professionals against the securities they already hold, and we settle in days rather than months. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage over one property or several. Investors with real portfolios are usually declined on servicing or on an exposure limit rather than on the merits of the deal, and an investor can be declined for having too much property rather than too little, because an exposure limit is a policy ceiling and not a judgment on the asset. We assess the security and the exit. This is business purpose lending only, exempt from the NCCP Act. We do not write owner-occupier home loans, we do not fund first home buyers, and we do not lend to individuals in their personal name for personal, domestic or household purposes.

Who We Help

• Portfolio investors funding the next acquisition while the bank works through a servicing review
• Buyers at auction with an unconditional contract and a hard settlement date
• Investors releasing equity across several securities to fund a deposit, a renovation or a further purchase
• Borrowers who need a single facility written across two or more properties rather than one deal per asset
• Investors buying before selling, where the incoming settlement lands ahead of the outgoing one
• Companies, unit and discretionary trusts, and SMSFs holding property for investment purposes
• Real estate and property professionals carrying an ATO debt against a strong asset position
• Established investors who have hit an exposure cap with their current lender on a particular asset class

How We Can Help You

• We assess the security and the exit, so a portfolio that is large rather than small is an asset in the file and not an obstacle
• We can write one facility across multiple securities, so the equity in the portfolio is treated as a single pool
• We hold our own funds and our own credit authority, so a decision takes hours and settlement can happen within 24 hours
• Our own valuers assess the security directly, including commercial, mixed-use and non-standard assets
• A second mortgage releases capital without disturbing an existing first, so a fixed rate stays intact
• Terms run from 1 to 24 months, most commonly 3 to 6, interest only, from 9.7% p.a.

Property Investment Scenarios We Fund

Investor lending is not one product. An auction settlement in 30 days needs a different structure to an equity release written across four titles. Below are the scenarios we are asked for most often.

Our Loan Products

• First mortgage: the cleanest position, used where a property is unencumbered or an existing facility is being refinanced in full
• Second mortgage: sits behind an existing first, so a performing facility and a fixed rate do not have to be broken to release equity from the portfolio
• Bridging loans: covers the gap between a purchase and a sale, so an acquisition does not depend on an outgoing settlement landing first
• Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent and short repayment windows such as an auction shortfall

Related Reading

• →Private mortgage lender for investment property
• →Private mortgage lender for commercial property
• →Secured loan for expanding investment portfolios
• →Private lender for auction finance

"The investors who come to us are rarely in trouble. They are usually the ones who have done it well enough that a bank has reached its exposure limit on them. An exposure cap is a policy ceiling, not a judgment on the deal. We fund the next acquisition, so the auction gets won and the off-market opportunity gets taken rather than watched."

Gino Tabila

Associate Director