Fast Private Mortgage Loans in Australia

Fast, flexible mortgage finance secured against property, funded in as little as 24 hours

Experts in strategic, short-term finance

Rated 5 out of 5Jason Vergara

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

A private mortgage works like a traditional mortgage in one key way: your property is used as security for the loan. Instead of borrowing from a bank governed by rigid institutional lending criteria, you're borrowing from a private lender that makes its own credit decisions, assesses deals on their individual merit, and isn't constrained by the same approval layers and compliance timelines that slow banks down.

Private mortgages in Australia are legal for business purposes and are protected under Australian contract law. They are a legitimate, increasingly mainstream form of business finance.

What Can You Use a Private Mortgage For?

Private mortgages are designed for business borrowers with a specific, time-bound capital need. Common uses include:

•Bridging loans: buy a new property before your existing one sells, or bridge a funding gap between transactions
•Property development: fund land acquisition, pre-construction costs, or a development that's run over budget
•Business capital: inject working capital, fund an acquisition, or cover operational costs during a transition
•Debt consolidation: roll high-interest short-term debt into a single, lower-rate secured facility
•ATO and tax debt: address an urgent tax liability before it compounds or escalates
•Construction finance: fund multi-residential, commercial, or mixed-use projects where bank timelines don't fit

Why Private Mortgages Are Easier to Access Than Bank Finance

Banks are built for borrowers with stable income, clean credit, and time to spare. Private mortgages are built for everyone else, and that covers a much broader range of legitimate, creditworthy borrowers than banks would have you believe.

•Self-employed or non-standard income: we assess primarily on the security property and your exit strategy, not payslips
•Less-than-perfect credit history: late payments, ATO debts, previous defaults don't automatically disqualify you
•Urgent timelines: our in-house property valuation team assesses your security simultaneously with your application, enabling 24-hour funding

How Private Mortgages Work With Us

•Tell us about your deal: loan amount, security property, purpose, and exit strategy
•We assess your security in-house while your application is being reviewed, not after
•You receive a clear loan offer outlining your rate, term, fees, and repayment structure
•Settlement and funding: once documentation is executed, funds are released

Private Mortgages for Business Owners With Bad Credit

A private mortgage is a business-purpose loan secured by a first or second registered mortgage over property, and that structure is the whole reason credit history matters less here. The security does the work a credit score does at a bank. Equity inside 70% LVR, a documented exit, no full financials on an asset-backed file, and a decision in hours rather than weeks.

→What actually sits on a business credit file →What we assess on a file with defaults on it

"Most private mortgage borrowers we work with care more about certainty than chasing the lowest rate. They want a lender who can read a deal accurately, confirm the exit is sound, and settle without delays. Where the security is strong and the LVR is inside 70%, there is no need to overcomplicate things, and we keep the process as smooth as we can."

Gino Tabila

Associate Director

Frequently Asked Questions

Yes. Private mortgages are legal for business purposes in Australia. While they operate outside the National Credit Code, which governs consumer lending, they are binding loan contracts protected by Australian contract law. Both you and the lender have enforceable rights and obligations.

You need sufficient equity in the security property to support the loan. Your loan-to-value ratio (LVR) is the key metric. The lower your LVR, the stronger your application and the better your rate. You don't need a cash deposit in the traditional sense, but the property must provide adequate security coverage for the amount you're borrowing.

Yes. We do not decline on a credit score. Because the loan is secured against property, your credit history is context rather than the deciding factor. What decides it is the value and quality of the security property, whether the equity sits inside 70% LVR, and whether your repayment plan holds up. Defaults, judgments and prior arrears are all common on the files we write.

In practice, most private mortgages for business purposes function as bridging loans: short-term, asset-secured facilities designed to be repaid at a specific exit point. The term "private mortgage" simply refers to the lending structure (mortgage over property, from a private lender) rather than the purpose. Whether you call it a bridging loan or a private mortgage, the mechanics at Secured Lending are the same.

Yes. We can take a second mortgage behind an existing first mortgage, provided there is sufficient equity in the property to support both. This is a common structure for borrowers who don't want to discharge or refinance an existing facility but need to access additional capital against the same asset.

The LVR ceiling does not move. Seventy percent is the maximum on every private mortgage we write, whatever the file looks like. The rate can move, because a messier history puts more weight on the exit. Where the exit is documented and close, most borrowers with credit issues price in line with everyone else.