Private Lender in Canberra

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 Canberra, often settled within 24 hours. Much of the work here runs on government contract cycles, where income arrives in milestones that rarely line up with when the costs fall due. When a bank 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 Canberra

Banks assess income and serviceability, run every file past a credit committee, and often decline good borrowers whose income is lumpy or held through a company or trust. We work the other way. In Canberra, where a consultancy or contractor can be waiting weeks on a milestone payment while costs keep falling due, 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 Canberra

As a private mortgage lender, we hold a registered first or second mortgage over your property and fund every loan from our own capital, so there is no bank and no outside credit committee in the deal. We lend from $250,000 to $10 million for business and investment purposes, and because the decision rests with us, a clean file can be funded within 24 hours.

The benefit of a private mortgage lender in Canberra is speed and structure a bank will not match. Where a bank runs a serviceability test and a slow approval chain, we price a short-term, interest-only mortgage around the security and your exit, which suits company, trust, and SMSF borrowers as well as those a bank has already turned away. Much of the work here turns on government contract timing, and a private mortgage can carry a business through until the payment lands.

“A lot of the businesses that call us in Canberra are waiting on a contract payment they know is coming, but the bank will not lend against a milestone and the timing will not wait. Put a sound property and a clear way out in front of us, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Across Canberra

From Barangaroo we fund clients right across Canberra and the wider ACT, from Civic and the inner suburbs to the district centres of Gungahlin, Belconnen, and Woden. We also lend over the border into Queanbeyan and the wider Capital Region. Wherever your business trades or your security sits, we can move quickly.