Private Mortgage Lender in Brisbane

Secured Lending writes first and second mortgages on Brisbane property for the investors, companies, and developers buying into South East Queensland's growth. We are a non-bank lender funding from our own capital, strictly for commercial and investment purposes, never a personal home loan. Facilities run from $250,000 to $10 million, secured against real estate across the Brisbane metro area and the wider growth corridor, and a clean purchase can settle within 24 hours when a bank cannot move to your date.

A purchase market that runs ahead of bank timelines

The 2032 Olympics pipeline and Cross River Rail are pulling forward commercial and development site activity across the corridor, and the buyers chasing it are often the ones a bank reads slowest. An investor acquiring through a trust or company, a developer settling a site, an SME buying its premises, a self-employed owner billing in cycles, all get flattened into a serviceability figure that misses the asset behind them. We assess the property put up as security and the plan to repay, which is why a buyer a bank stalls is frequently a straightforward yes for us, in time to hold the contract.

• •First and second mortgages from $250,000 to $10 million, clean purchases funded within 24 hours
• •Weighed on the security and a credible exit, not a serviceability calculator
• •Built for buyers holding through companies, trusts, and SMSFs
• •Decisions made in-house, with no credit committee between your offer and settlement
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •Commercial and investment purposes only, never a personal home loan

Buying commercial and investment property in Brisbane

Most of our Brisbane book funds purchases: an owner-occupied premises, a tenanted commercial holding in the Valley or Newstead, an industrial shed around the Australia TradeCoast, or a development site along the corridor. Because the capital is ours and our valuers work in-house, we can settle a commercial buy in as little as 24 to 48 hours, with nobody weighing in between your offer and the keys. We are comfortable lending to the companies, trusts, and self-managed super funds most investors purchase through, the structures banks take longest to clear. For an owner-occupied or tenanted buy see our commercial property finance, and for an investment holding inside an entity see our investment property finance.

Holding the senior charge with a first mortgage

When we register the first mortgage we sit in the primary security position, which carries our sharpest pricing: rates from 9.7% p.a. and LVRs up to 75% on a strong asset. Brisbane buyers use a first mortgage to settle a purchase against a fixed contract date, to refinance a facility that no longer fits the plan, or to draw on an unencumbered commercial building. Terms run from one to twenty-four months, shaped around the date your exit lands rather than a bank repayment schedule.

Releasing equity behind your bank loan with a second mortgage

A second mortgage ranks behind the bank facility you already hold, so equity comes out of a Brisbane property without refinancing or paying out the first loan. Total borrowing across both is generally kept within 75% of value. It is the tool of choice when the equity is plainly there and the timing is tight: a deposit on the next acquisition, a settlement shortfall, a short bridge between properties, or funding to complete a corridor purchase before the bank can act.

What actually decides the deal

Four things tell us whether a deal works, and the exit outweighs the rest by a distance. A mortgage is only as sound as the way it is cleared, so we want that plan first, in plain terms, before we look at anything else.

• •The exit: a dated, evidenced path to repay, by sale, a refinance to a bank, or incoming funds. Nothing carries more weight
• •The security and the loan against it: current market value and an LVR usually near 70%
• •The purpose and the title: a genuine commercial or investment reason, clean title, and whether we hold first or second mortgage
• •The wider picture: the supporting detail that makes the repayment plan stack up

Security we will register a mortgage over

The mortgage funds the purchase or the investment; the real estate is simply what we register the charge over. Our own valuers price each asset against live Brisbane and South East Queensland evidence, which is quicker and sharper than waiting on an outsourced desktop figure.

• •Investment houses, units, and residential holdings across the Brisbane metro area
• •Commercial offices, retail, and strata suites through the CBD, Fortitude Valley, and Newstead
• •Industrial and warehouse stock around the Australia TradeCoast at Eagle Farm and Pinkenba, and at Acacia Ridge
• •Vacant land and development sites along the growth corridor, DA approved or not
• •Property with a bank or non-bank loan already registered, where our facility ranks second
• •Assets held in a company, trust, or self-managed super fund

“A Brisbane investor will lose a corridor purchase to the next bidder while a bank is still pulling the file apart. Bring us the property, the structure you are buying through, and a clear way out, and we will have you an answer the same day, with the certainty to settle on the contract date.”

Gino Tabila

Associate Director

Where we settle mortgages across South East Queensland

We register first and second mortgages right across the Brisbane metro area and the growth corridor: the CBD, the Fortitude Valley and Newstead commercial precincts, the industrial belt at Acacia Ridge and the Australia TradeCoast around Eagle Farm and Pinkenba, and out through the fast-settling Ipswich and Logan corridors. With the Olympics build and Cross River Rail feeding commercial development and investment buying, the demand for a fast purchase mortgage stays high. If the property you are buying or borrowing against sits in Queensland, we can usually move on it quickly.