Private Lender on the Gold Coast

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 the Gold Coast, often settled within 24 hours. Much of the local economy runs on hospitality, tourism, and a busy development pipeline, none of which sits neatly inside a bank credit model. 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 on the Gold Coast

Banks assess income and serviceability, run every file past a credit committee, and often decline sound borrowers whose income is lumpy or held through a company or trust. We work the other way. On the Gold Coast, where takings swing between the peak season and the quiet months and a development deal can turn on a single settlement date, 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 on the Gold Coast

As a private mortgage lender, we hold a registered first or second mortgage over your property and fund the loan from our own capital, not a bank balance sheet or a warehouse line. That is what lets us lend from $250,000 to $10 million for business and investment on the Gold Coast, with a clean file settled within 24 hours. Every loan is registered on title, so you and your solicitor always know exactly where the security sits.

A private mortgage moves at a different speed to a bank. There is no serviceability test and no external credit committee, so a short-term, interest-only loan can be arranged around a settlement date or a sale rather than forced into a fixed product. It suits borrowers held through a company, trust, or SMSF, and those a bank has already declined. On the Gold Coast, where a lot of income arrives in seasonal waves, that flexibility is often what gets the deal done.

“The borrowers who call us from the Gold Coast are not chasing the cheapest rate. They run a venue, a project, or a portfolio where the money lands in waves, they have a solid asset and a deadline, and a bank that has gone quiet. Show us the security and the way out, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Across the Gold Coast

From Barangaroo we fund clients the length of the Gold Coast and out into South East Queensland, from Southport and the coastal strip to the hinterland and the growth corridor running north. Wherever your business trades or your security sits, we can move quickly.