Private Mortgage Lender Australia

What Is a Private Mortgage Lender?

A private mortgage lender is a non-bank lender that provides short-term finance secured by a registered mortgage over real property. We fund the deals banks decline, or cannot settle fast enough. Decisions are based on the strength of the security and a clear exit strategy, not on rigid credit policy.

Secured Lending is a direct private mortgage lender based in Sydney. We provide first and second mortgage finance for business and investment purposes across Australia. We do not offer personal home loans or consumer credit. Every loan is asset-backed and written for a commercial or investment purpose.

First Mortgage Finance

A first mortgage is registered as the primary charge over your property. It carries the lowest risk and our sharpest pricing, with rates from 9.7% per annum, LVRs up to 75%, and terms from 1 to 24 months. First mortgage finance suits property purchases, refinancing, and larger business funding needs.

Second Mortgage Finance

A second mortgage sits behind your existing bank facility. It lets you release equity from a property without refinancing or disturbing your current loan. Combined LVR is typically capped at 75%. Second mortgages are ideal for working capital, bridging finance, debt consolidation, or funding a time-sensitive opportunity.

Who We Lend To

We lend to borrowers with a property to offer as security and a credible plan to repay:

• Business owners and operators
• Property investors
• Developers and builders
• Self-employed borrowers with complex or non-standard income
• Borrowers using a company or trust structure

We do not provide personal mortgages or consumer loans. All lending is for business or investment purposes.

When a Private Mortgage Makes Sense

Borrowers come to us when the bank route has failed or is too slow. Common scenarios include:

• The bank declined the deal on policy, timing, or structure
• Settlement is urgent and a bank cannot meet the deadline
• The property or borrower structure is complex
• You need to bridge a purchase or a sale
• ATO debt or a cash flow gap needs resolving against property
• You want to release equity for a business purpose

What We Accept as Security

We secure loans against residential property, commercial property, investment property, vacant land, and development sites. We can also work with property held by a company or trust, provided the right documentation and authority are in place.

Where We Lend

Our team is based in Barangaroo, Sydney. We lend across all major Australian cities, including Sydney, Melbourne, Brisbane, Perth, and Adelaide. We also fund deals in major regional centres across New South Wales, Victoria, Queensland, Western Australia, and South Australia. Loan amounts range from $250,000 to $10 million. If your deal is larger, get in touch and we will assess it.

Explore our private mortgage lending by location: Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, and the Gold Coast. Across Greater Sydney we cover Parramatta, North Sydney, the Eastern Suburbs, the Inner West, and Western Sydney.