Private Mortgage Lender in Melbourne

Most Melbourne purchases that reach us have a settlement date attached and a bank that cannot make it. Secured Lending funds first and second mortgages on property buys across the city, from our own capital, so a commercial premises, an investment asset, or an industrial site can settle on time rather than fall over. We lend strictly for business and investment purposes, never personal home loans or consumer credit, on facilities from $250,000 to $10 million, with clean deals funded inside 24 hours, rates from 9.7% p.a., and terms of 1 to 24 months.

Funding the purchase before the bank can move

Most of our Melbourne lending exists to close a buy at speed. A first mortgage funds the acquisition outright; a second mortgage releases the deposit behind a bank facility while the longer-term loan is arranged. Either way, we register the security and settle, then step aside or sit alongside the bank as the deal allows. Because we hold the capital and decide in-house, nothing sits between your contract and the keys, which is exactly what a fixed settlement date demands.

• •Commercial and investment buys settled across the CBD, Docklands, and the inner suburbs
• •Industrial and warehouse acquisitions in the western corridor and the south-east
• •First mortgage to fund the purchase, or a second mortgage to free the deposit
• •Lending through trusts, companies, and SMSFs, the structures investors actually buy in
• •Clean files funded inside 24 hours, with rates from 9.7% p.a.

Where a bank stalls and we do not

A bank reads a buyer through a serviceability model, and that model struggles with a company carrying uneven revenue, an investor purchasing through a trust or SMSF, or a developer settling one site while another runs on. The asset can be sound and the deal still stalls. We decide on the property put up as security and a credible plan to repay, so the answer lands fast and the conditions stay few. A registered first or second mortgage follows when the purchase needs it, not weeks later.

Taking a first mortgage on the purchase

Holding the first registered charge puts us in the primary security position, which earns our sharpest pricing: rates from 9.7% p.a. and LVRs to 75% on a strong asset. Buyers use a first mortgage to settle a commercial or investment acquisition against a hard date, to take an industrial site in the western or south-eastern corridor, or to refinance onto a facility that fits the plan. Terms run from one to twenty-four months, shaped around when the exit lands.

Releasing the deposit with a second mortgage

A second mortgage sits behind the bank loan you already carry, so you can pull equity from one property to fund the next purchase without refinancing the first facility. Combined borrowing is generally held inside 75% of value. For Melbourne investors this is the usual way to free a deposit on the next acquisition, bridge between a sale and a settlement, or cover a short gap while a bank facility is still being drawn down.

Buying through a trust, company, or SMSF

A large share of Melbourne investment property is bought through a trust, a Pty Ltd company, or a self-managed super fund, and those are the structures banks are slowest to approve. We are comfortable holding a first or second mortgage over property in any of them, provided the trust deed, company authority, or fund documentation is in order. The structure that complicates a bank application rarely complicates ours.

How we weigh a deal up

The assessment is short, security-led, and topped by the exit. A mortgage is only as sound as the plan that clears it, so before anything else we want to see how and when the facility is repaid.

• •The exit: a dated, evidenced route to repay through sale, refinance, or incoming funds. Nothing carries more weight
• •The security and LVR: current market value and the loan set against it, generally to 70%
• •The purpose: a genuine business or investment use, such as funding a purchase
• •Title and ranking: clean title, and whether the security ranks first or second

Security we lend against

The mortgage serves the business or the investment; the property is what backs it. Our own valuers price each asset against live Melbourne comparables, so a purchase is assessed quickly rather than queued behind an outsourced desktop figure.

• •Office floors, shopfronts, and strata suites across the CBD, Docklands, and the inner suburbs
• •Warehouses and industrial sheds in the western corridor and the south-east
• •Development and renewal sites, including Fishermans Bend, with or without permit approval
• •Residential holdings across metropolitan Melbourne, from a rental to an apartment
• •Property holding a current bank loan, where we register behind it as a second mortgage
• •Assets held inside a company, trust, or self-managed super fund

“In Melbourne the deal usually hinges on one date, the day the purchase has to settle. The buyer does not need the cheapest rate, they need the contract held together. Show us the asset and the exit, and we will fund the buy before the bank has finished reading the file.”

Gino Tabila

Associate Director

The Melbourne ground we fund across

We write first and second mortgages on purchases right across the metro: the CBD, Docklands, and inner suburbs, the western industrial corridor through Sunshine, Laverton, and Truganina, Dandenong South in the south-east, and the Fishermans Bend renewal precinct. Where the security supports it, we also fund into Geelong, Ballarat, and Bendigo. If the property you are buying or borrowing against sits here, we can act quickly.