Private Lender in Perth

Secured Lending is a private, non-bank lender run from Barangaroo that funds its own loans. We advance property-secured finance from $250,000 to $10 million for businesses and investors across Perth, and a clean deal is often settled within 24 hours. When a bank has said no or is moving too slowly, we look at the value of your security and a credible plan to repay rather than a serviceability test. In Perth, where a settlement date or a tax deadline rarely waits, that is what gets funding in place on time.

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 Perth

A bank scores you on income and serviceability, runs every file past a credit committee, and often turns down sound borrowers whose income is lumpy or earned through several entities. We start from the other end. What matters to us is the property you can offer as security and a credible way to repay it. In Perth, where a deal can hinge on a tax deadline or a settlement that will not wait, that lets us commit fast and fund when it 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%
• •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 Perth

As a private mortgage lender, we hold a registered first or second mortgage over your property and fund it from our own capital, not a bank balance sheet or a wholesale line. That is what lets us write loans from $250,000 to $10 million for business and investment purposes and settle a clean file within 24 hours. As a non-bank lender there is no consumer credit here, only property-backed finance for a genuine commercial or investment purpose.

The benefit of a private mortgage lender over a bank comes down to speed and structure. We assess the security and your exit rather than running a serviceability test, so we can commit in hours and shape a short-term, interest-only loan around a settlement, a tax bill, or a purchase window. Company, trust, and SMSF borrowers are welcome, and so are owners a bank has already declined. In Perth, a lender that can fund quickly is often the difference between closing a deal and watching it lapse.

“A tax deadline does not move because a credit committee needs another fortnight, and that is the pressure we see most often out of Perth. Grain and mixed-farming operations through the Wheatbelt, and accommodation operators across the South West, both trade through seasons that a serviceability model handles poorly. The asset is usually sound. It is the calendar that is the problem, and the calendar is the part we can fix.”

Gino Tabila

Associate Director

Where We Lend Across Perth

From the Perth CBD out to Fremantle and up into the Perth Hills, we fund clients right across the metro and the wider Western Australia. Wherever your business trades or your security sits, we can usually move quickly.