What Is a First Mortgage Private Loan?
A first mortgage private loan is short-term finance secured by a first registered charge over your residential, commercial, or industrial property. As a private lender, Secured Lending holds that first mortgage position — meaning we're first in line to be repaid, which allows us to move faster, lend more flexibly, and approve deals that banks simply won't touch.
Unlike a standard bank mortgage, first mortgage private loans aren't designed to be held for 25 years. They're purpose-built for property owners and business owners who need capital now — to bridge a gap, fund a project, clear urgent debt, or unlock equity sitting idle in their property.
Who Uses First Mortgage Private Finance?
Borrowers come to private lenders for a first mortgage when:
- •A bank has declined their application due to credit history, irregular income, or loan complexity
- •You're self-employed or operate a trust structure that doesn't fit standard serviceability models
- •You need to settle fast — within days — on a property purchase or refinance
- •You're bridging between the sale of one property and the purchase of another
- •You need to release equity quickly to fund a business opportunity or urgent obligation
- •Your existing mortgage is in arrears and you need to refinance out of default
- •You're funding a construction or development project that doesn't fit bank criteria
- •You need to pay a tax debt, ATO liability, or creditor before a formal arrangement is required
Why Choose Secured Lending as Your Private Lender?
- •Direct lender — you deal with the decision-makers, not a broker middleman
- •Transparent fees — loan fees and rates disclosed upfront, no hidden charges
- •Experienced team — specialists in complex, time-sensitive private lending scenarios
- •Nationwide coverage — lending across all states and territories
- •In-house valuation team — we assess your security simultaneously with your application
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Short Term Loans
Flexible property-secured loans designed for businesses that need capital now and a clear exit path later. Ideal for bridging gaps, seizing opportunities, or managing short-term pressure.