Private Mortgage Lender for Investment Property

Pty Ltd companies, discretionary family trusts, unit trusts, and SMSFs purchasing residential investment property via a Limited Recourse Borrowing Arrangement. This is business-purpose lending only. We do not lend to natural persons borrowing in their personal name.

No. Every loan we write is to a corporate entity: a Pty Ltd company, a family trust with a corporate trustee, or an SMSF trustee company. If you are purchasing investment property in your personal name, this product is not the right fit.

We lend from $250,000 to $10,000,000, secured by first or second mortgage over residential investment property. Loan terms run from 1 to 24 months. These are short-term facilities, typically used while the borrower arranges longer-term finance or completes a sale.

For a clean deal with clear title and complete information, within 24 hours. We hold direct credit authority, use in-house valuers, and do not run deals through a committee. Those three things together are why our timeline looks the way it does.

Our standard maximum is 70% LVR. For strong assets in established locations we assess higher LVRs case by case. We use our own in-house valuers rather than desktop estimates, so the valuation reflects current market evidence rather than an algorithm.

Yes. We lend to SMSFs purchasing residential investment property via a Limited Recourse Borrowing Arrangement. The property must be held in a bare trust during the loan term, with the SMSF as beneficial owner. Our team works alongside your SMSF adviser and solicitor to make sure the structure is correctly established before settlement.

Owner-occupier purchases, first home buyers, and any borrower taking finance in their personal name for personal, domestic, or household purposes. Those products are regulated under the National Consumer Credit Protection Act, which this lending does not fall under.

A member of our credit team reviews your scenario and comes back with an indicative yes or no, typically on the same day. If we proceed, we issue a letter of offer, instruct our valuers, and coordinate settlement with your solicitor. The process is direct from start to finish.

A private mortgage lender provides property-secured loans outside the banking system, funded by private capital and assessed on the security property rather than the borrower's income profile. For investment property, this means the loan is registered as a first or second mortgage over the residential property held in your entity. Unlike a bank, a private mortgage lender can settle in 24 to 72 hours, work comfortably with trust and SMSF structures, and assess deals that banks decline on income grounds despite strong security.

Three reasons come up consistently. Speed: a private mortgage lender can fund within 24 hours where a bank takes 8 to 12 weeks, which matters enormously at auction or when an off-market deal has a tight unconditional window. Structural flexibility: banks apply conservative serviceability models that penalise trust distributions, company retained earnings, and non-standard income. And appetite: certain entity types and deal structures that banks currently flag are standard for a private mortgage lender. Most investors use a private mortgage lender for a defined short-term purpose, then refinance to a bank once conditions allow.

The most common are: refinance to a bank once the entity's financial position supports it (improved cash flow, a completed trading period, discharge of another liability), sale of the investment property, or receipt of confirmed proceeds from another transaction. The exit strategy must be specific and achievable within the loan term of 1 to 24 months. We assess exit strategy as a core part of credit. An investor who cannot articulate a credible exit is unlikely to be approved regardless of the security quality.

There is no universal minimum. It depends on the deal. At a minimum we will need the security property details, borrower entity details, and some evidence of the borrower's financial position. An accountant's declaration or 6 months of business bank statements is a reasonable starting point for most low doc applications.

Yes. Retained profits held within the company are part of the financial picture we assess. Unlike banks that focus on declared salary, we look at the whole position: what the directors have retained, the value of assets held within the group, and whether the overall wealth position supports the loan structure. Retained profits do not need to flow through as personal income to be relevant.

The 9.7% p.a. figure is the floor, the most competitive rate available on deals where the LVR is low, the security is strong metropolitan residential investment property, and the exit strategy is clearly documented and near-term. Most deals sit above this floor depending on specific risk factors. The best way to understand the indicative rate for your deal is to submit an enquiry with the property address, loan amount, entity structure, and exit plan.

Private mortgage lender rates are materially higher than specialist non-bank mortgage rates. Specialist non-bank lenders, which use alternative income documentation models, typically price in the range of 6% to 8% p.a. for well-qualified corporate investment property borrowers. Private mortgage lending starts from 9.7% p.a. and reflects the additional factors of speed, no income assessment, and willingness to lend in distressed or time-critical situations. The rate differential is the cost of what the private mortgage makes possible that the specialist lender cannot.

Yes. Secured Lending can sit in second position behind most bank and non-bank first mortgages. The key requirement is that the combined LVR, the first mortgage balance plus the second mortgage amount, does not exceed 70% of the independently assessed property value. We verify the first mortgage balance and review the first mortgage documents as part of the process. In most cases, the first lender's consent is not required, though some first mortgage documents include notification clauses.