Strata title purchase funding often needs speed, flexibility, and a lender who understands property security and settlement timelines. If you are buying a strata titled commercial or residential asset for your business, or acquiring a strata titled unit as part of a broader strategy, private lending can be a practical path when bank timeframes, policy, or documentation do not match your transaction. Contact us today.
Non-bank private lending for Strata Title Purchases
At Secured Lending, we are a non-bank private lender supporting Strata Title Purchase transactions for business owners who need decisive credit assessment and reliable execution. We speak to clients every week who require finance and we are happy to provide guidance and requirements for Strata Title Purchase, including how we assess the security, the borrower position, the exit strategy, and the settlement timetable.
We are specialist private lenders in secured business loan solutions, private mortgages (including first mortgages and second mortgages) and bridging loans. This matters for strata title purchases, because the funding solution may need to sit as a first mortgage, a second mortgage behind an existing lender, or a bridging facility designed around settlement and refinance.
Why business owners use a non-bank private lender for a Strata Title Purchase
A strata title purchase can be straightforward on paper, yet still difficult to fund through a bank if timing or policy does not fit. Common reasons business owners choose a non-bank private lender include:
Faster decisions when the purchase is time sensitive
When there is a short settlement, a vendor deadline, or an opportunity that cannot wait for a long credit process, a private lender can be a better fit. Secured Lending uses our own funds for fast decisions and we have an internal property valuation team which allows us to move fast within 24 hour.
Credit decisions based on the whole deal, not just policy boxes
Private lending can be more practical when your transaction has moving parts, such as a restructure, a recent change in financials, an asset-backed position, or a time bound exit strategy. A strong security position and a clear plan can matter as much as historic financial reporting.
Short-term finance that matches your business plan
Many strata purchases are transitional. You might be buying now and refinancing later, settling fast before a longer term facility is arranged, or acquiring an asset with a defined hold period. We specialise in short term finance of 1–24 months, which aligns with bridging, repositioning, refinance, or sale based exits.
Funding ranges that fit SME and mid-market acquisitions
We offer loans from $250k to $10M, which can support a single strata purchase or a larger requirement where strata security is part of the overall position.
Transparency on pricing and structure
Rates from 9.2% p.a. are available depending on the transaction, security, and risk profile. A private loan is not designed to compete with long term bank pricing. It is designed to solve a timing or complexity problem with clear terms and a clear exit.
Private lending with Secured Lending
If you are comparing non-bank business loans to private solutions, we focus on fast, security-led lending for time-sensitive settlements and transactions with a clear repayment plan. As a private lender in Australia, we prioritise execution certainty and a practical approval process aligned to your settlement timetable and exit strategy.
What Secured Lending can provide for Strata Title Purchase finance
Secured Lending has funded over $500million loans. We lend with a focus on secured outcomes and clear execution, particularly where speed and certainty matter.
Key loan details:
- Loans from $250k to $10M
- Rates from 9.2% p.a.
- Short term finance of 1–24 months
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour
Common Strata Title Purchase scenarios we support
Business owners typically come to private lenders for strata purchase funding when they need certainty and momentum. Scenarios may include:
- private bridging finance to settle a strata purchase while longer term funding is arranged
- first mortgage funding secured by the strata titled property being purchased
- second mortgage funding where there is an existing lender and additional capital is required
- Time sensitive acquisitions where a fast settlement strengthens the negotiation
- Purchases requiring a tailored structure linked to an exit strategy such as refinance, asset sale, business sale, or cash flow event
What we look for when assessing a Strata Title Purchase
A private lending assessment is still disciplined. The difference is speed, flexibility, and a focus on security and exit. For a strata title purchase, we generally focus on:
The property and security quality
We consider the strata titled asset type, location, condition, marketability, and valuation. This is where our internal property valuation team helps reduce delays.
Your loan structure and mortgage position
We can discuss whether the structure is best as a first mortgage, second mortgage, or bridging loan, and how that interacts with any existing facilities. Where appropriate, a private mortgage structure may be used to align the security position with the settlement and exit plan.
Your exit strategy
A clear exit is central to responsible private lending. This may be refinance to a bank or non bank lender, sale of the property, sale of another asset, business cash flow, or another defined repayment event.
Your timeline and settlement requirements
If settlement dates are fixed, we align the steps around valuation, documents, and conditions so you know what is required and when.
How guidance works with Secured Lending
Because we speak to clients every week who require finance, we understand what tends to slow down strata purchase approvals and what helps deals move. We are happy to provide guidance and requirements for Strata Title Purchase so you can position your application correctly, avoid unnecessary back and forth, and get clarity early on the likely structure.
Where we lend
We are a non bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your strata title purchase is in these markets, we can assess it with local context and a practical understanding of settlement expectations.
When a private lender is the right choice for your strata purchase
Private finance is often the right choice when:
- You need speed and a clear path to settlement
- Your deal is strong but bank policy or timing does not fit
- You have a clear exit within 1 to 24 months
- You want a lender that can structure first mortgages, second mortgages, or bridging loans around the security
If you are evaluating a private lender for a Strata Title Purchase, Secured Lending can help you assess the options, the requirements, and the most suitable secured structure based on your property, timeframe, and exit strategy.
Frequently Asked Questions
1) Does strata title security change how you value or lend compared to a freestanding property?
Yes—strata title introduces extra diligence around the specific lot, the strata plan, common property, and how the building is maintained. We still focus on the same fundamentals (marketability and valuation), but we’ll also consider building profile and anything in the strata records that could affect saleability or risk.
2) Can you fund a strata purchase if the business is buying through a company or trust structure?
Often, yes. What matters most is the security position, the borrower profile, and the exit strategy. We assess the structure as part of the overall deal and align the facility documents to suit the purchasing entity.
3) If I need to settle quickly, what usually causes delays in strata purchases?
Delays most often come from valuation timing, incomplete contract documentation, and strata-related information that needs review. Because we have an internal property valuation team, we can reduce one common bottleneck, and we’ll also guide you on what to provide early to avoid last-minute issues.
4) Can you do a second mortgage behind an existing lender on a strata unit?
In many cases, yes—subject to the existing lender position, available equity, and the overall risk profile. Second mortgages can be useful where you need additional capital but don’t want to refinance the first mortgage right before settlement or during a transitional period.
5) What makes an exit strategy “acceptable” for a short-term strata purchase loan?
An acceptable exit is specific and evidence-based. That might be a refinance plan supported by improving financials, a defined asset sale with realistic timing, or a clear repayment event tied to business cash flow. We look for an exit that matches the proposed loan term (typically 1–24 months) and is workable within the settlement and hold timeline.
6) If I’m buying a strata unit as part of a broader strategy, can the loan structure be tailored around multiple moving parts?
Yes. Strata purchases are often one piece of a larger plan—such as a fast acquisition, a later refinance, or a wider business restructure. We can structure facilities as first mortgage, second mortgage, or bridging loans to align with settlement timing, security position, and the planned next step.
