Private Lender in Brisbane

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 and investors across Brisbane, often settled within 24 hours. Brisbane deals often turn on moving before a rival does, and when a bank has said no or cannot keep pace, we assess the property you can offer as 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 Brisbane

Banks test income and serviceability, send every file to a credit committee, and often turn away sound borrowers whose earnings are lumpy or held through a company or trust. We take the opposite approach. In Brisbane, where a settlement or a purchase can hinge on a matter of days, we look at the value of the property offered as security and how the loan will be repaid, which lets us commit fast and fund when the timing counts.

• •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 Brisbane

As a private mortgage lender, we hold a registered first or second mortgage over your property and fund the loan from our own capital, which is what sets us apart from a bank. Every mortgage we write is for a business or investment purpose, sized from $250,000 to $10 million, and priced to the deal in front of us. Because the money is ours, we can settle a clean file within 24 hours rather than routing it through an outside credit committee.

A private mortgage lender gives you what a bank rarely will: a decision measured against your security and exit rather than a serviceability test, plus a short-term structure you can hold for a few months and repay when your funds land. That suits borrowers holding property through a company, trust, or SMSF, along with anyone a bank has recently declined. Brisbane borrowers tend to reach us when a deal has a deadline and the property is sound, and that is exactly the file we are built to fund.

“The Brisbane borrowers who call us are rarely chasing the cheapest rate. They have a solid asset, a deadline, and a bank that has gone quiet. Show us the security and how the loan gets repaid, and you will have a decision the same day.”

Gino Tabila

Associate Director

Where We Lend Across Brisbane

From Barangaroo we fund clients right across the Brisbane metro and the wider South East Queensland region, reaching down to the Gold Coast and up to the Sunshine Coast. Wherever your business trades or your security property sits, we can move quickly.