Private Mortgage Lender in Perth

Secured Lending funds first and second mortgages on Perth property for business owners, investors, and developers who need to move before a bank can. We are a non-bank lender using our own capital, and we lend for business and investment purposes only, never personal home loans. Facilities run from $250,000 to $10 million, secured against real estate across the Perth metropolitan area and regional Western Australia, and clean deals can settle within 24 hours.

Resources-sector income and bank serviceability rarely agree

Much of Perth runs on mining services, construction, and the contracts that flow from the Pilbara and the Goldfields. That income is real, but it lands in lumps, often through a company or trust, and rarely matches the smoothed annual figure a bank wants to see. FIFO operators, plant hire businesses, and trade contractors get caught in the gap. We read a deal differently. The property offered as security and a credible plan to repay decide the outcome, which is why a borrower a bank cannot model is often straightforward for us.

• •First and second mortgages from $250,000 to $10 million, with clean deals funded inside 24 hours
• •Assessed on the security and a believable exit, not a serviceability calculator
• •Built for contract-driven and seasonal WA income that swings between projects
• •Decisions made in-house, so no credit committee sits between your offer and settlement
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •Strictly business and investment purposes, never a personal home loan

Taking a first mortgage on a Perth property

When we hold the first registered mortgage we sit in the primary security position, which earns the sharpest pricing: rates from 9.7% p.a. and LVRs up to 75% on a strong asset. Perth borrowers use a first mortgage to settle a purchase against a hard date, to refinance a facility that no longer suits, or to draw working capital against an unencumbered commercial building. Terms run from one to twenty-four months, structured around when your exit lands.

Releasing equity with a second mortgage

A second mortgage sits behind the bank loan you already hold, so you can pull equity out of a property without refinancing or paying out the first facility. Combined borrowing is generally kept within 75% of value. It is the tool of choice when the equity is plainly there, the timing is tight, and a deposit on the next purchase, a working-capital gap, or a short bridge needs covering before the bank can act.

Buying commercial and investment property in Perth

A large share of our Perth book funds purchases: an owner-occupied premises, a tenanted investment, an industrial shed, or a development site. Private funding and an in-house valuation team mean we can settle a commercial buy in as little as 24 to 48 hours, with no committee weighing in between your offer and the keys. We are comfortable lending to Pty Ltd companies, trusts, and SMSFs, the structures most investors buy through and the ones banks are slowest to approve.

What actually decides your deal

Five things tell us whether a deal works, and the exit carries by far the most weight. A mortgage is only as sound as the plan to clear it, so we want that plan first, in plain terms, before anything else.

• •The exit: a dated, evidenced path to repay, whether that is a sale, a refinance to a bank, or incoming funds. Nothing matters more
• •The security and the loan against it: current market value and an LVR that usually tops out near 70%
• •The purpose: a genuine business or investment reason, such as a purchase, a refinance, or releasing equity
• •The title and our position: clear title, and whether we hold first or second mortgage
• •The wider picture: the surrounding circumstances that give the exit its credibility

Security we will lend against in WA

The funds are for the business or the investment; the property is what backs them. Our own valuers assess each asset against live Perth and regional comparables, which is faster and sharper than waiting on an outsourced desktop figure.

• •Houses, units, and investment homes across the Perth metropolitan area
• •Office floors, shopfronts, and strata suites across the CBD, West Perth, and Fremantle
• •Sheds and industrial units across the Kwinana, Welshpool, and Canning Vale precincts
• •Vacant land and development sites, DA approved or not
• •Assets owned through a company, trust, or self-managed super fund
• •Property with a current bank loan on title, funded behind it as a second mortgage

“In a resources economy the clock runs on contract dates and settlement deadlines, not credit committee calendars. A Perth borrower with a sound property and a clear way out does not need the cheapest rate in the market. They need a decision they can act on today.”

Gino Tabila

Associate Director

Where we fund deals across Perth and Western Australia

We write first and second mortgages right across the metropolitan area, from the CBD and West Perth out through Fremantle, Joondalup, and the southern corridor to Mandurah. Strong security also opens the door in regional and resources centres, including Bunbury, Geraldton, Karratha, and Port Hedland. If the property you are buying or borrowing against sits in Western Australia, we can usually move on it quickly.