First Mortgage Private Loans

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 gives everyone a clean, straightforward position to work from, with no subordination to worry about. On quality commercial or residential property inside 70% LVR, that clarity is what lets us move from application to approval within 24 hours, and we are always happy to talk through where a deal sits."

Gino Tabila

Associate Director