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
"A first mortgage position gives us clean security with no subordination risk. At sub-70% LVR on quality commercial or residential property, we can move from application to approval within 24 hours. The security quality is what drives the speed."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
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.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
