Private Lender in Adelaide

Secured Lending is a private, non-bank lender based in Barangaroo that funds its own loans. We provide property-secured finance from $250,000 to $10 million for businesses, investors, and developers across Adelaide, often settled within 24 hours. Much of Adelaide runs on contract and seasonal cycles, from defence work at Osborne to a vintage in the wine country, and that lumpy income rarely suits a bank. When one has said no or cannot move quickly enough, we assess the deal on the value of your security and a clear plan to repay, not a serviceability score.

Our Private Lending Products

• •First and second mortgages
• •Bridging finance between property settlements
• •Caveat loans for fast, short-term funding
• •Business-purpose and cash-out loans
• •Refinance of expensive short-term debt
• •ATO and creditor payout finance

Why Use a Private Lender in Adelaide

Banks assess income and serviceability, run every file past a credit committee, and often decline good borrowers whose income is seasonal or held through a company or trust. We work the other way. Across Adelaide, where a settlement or a milestone payment can turn on a few days, we look at the property offered as security and how the loan will be repaid, which lets us commit quickly and fund when it matters.

• •Approvals in hours and funding within 24 hours on a clean file
• •Assessed on the value of your security and your exit, not a serviceability test
• •Complex, self-employed, and non-conforming income welcome
• •Company, trust, and SMSF borrowers are no obstacle
• •Short-term, interest-only funding available
• •Business-purpose and cash-out loans welcome

Who We Help

• •Property owners and investors
• •Developers and commercial property owners
• •Mortgage brokers and finance advisers
• •Lawyers and accountants referring clients
• •Business owners who need urgent capital

We lend for business and investment purposes only, never personal home loans or consumer credit.

Our Rates, Terms and Lending Criteria

• •Loan size: $250,000 to $10 million
• •Term: 1 to 24 months, typically 3 to 6
• •Rates: from 9.7% p.a., with every cost set out in the letter of offer
• •LVR: up to 70%, and up to 75% on strong, well-tenured assets
• •Security: a registered first or second mortgage over property
• •Exit strategy: required on every loan, by sale, refinance, or incoming funds

The exit is the single most important factor we assess. A loan is only as sound as the plan to repay it, so we map that first and build the rest of the decision around it. Property held in companies, trusts, or SMSFs is fine, and we take residential, commercial, industrial, and development security.

Private Mortgage Lender in Adelaide

As a private mortgage lender we register a first or second mortgage over your property and fund the loan from our own capital, so there is no bank and no outside credit committee in the mix. We write private mortgages from $250,000 to $10 million for business and investment purposes, and a clean file can be funded within 24 hours.

A private mortgage lender in Adelaide reads a deal differently to a bank. Rather than run your income through a serviceability test, we price the security and the exit, which lets us build short-term, interest-only structures around a settlement or a milestone payment and say yes to borrowers held through a company, trust, or SMSF. Much of Adelaide trades on seasonal and contract income that a bank cannot process, so those declined elsewhere are a large part of the private mortgages we settle.

“Half the calls we take out of Adelaide come down to timing. The contract is real, the asset is clean, but the payment lands in three months and the bank will not bridge it. Show us the security and a credible way out, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Across Adelaide

From our Barangaroo base we fund clients right across metropolitan Adelaide and wider South Australia, from the CBD and North Adelaide to the inner suburbs and the industrial corridors in the north. Out past the city we lend across the wine country and the regions, the Adelaide Hills, the Barossa Valley, and the Fleurieu Peninsula among them. Wherever your business trades or your security sits, we can move quickly.