⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Private Lender for First Mortgage Loans
Secure funding backed by property, tailored for business needs.
Specialists in complex lending and strategic finance.
- Finance within 24 hours
- Loans of $250k to $10 Million
- Rates from 9.2% p.a
- 1-24 months terms
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.
If you’ve been declined by a bank, don’t meet standard income verification requirements, or need settlement within days rather than months, a private first mortgage loan is built for exactly that situation.
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. We can settle within 24 hours
- 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 they need to refinance out of default
- You’re funding a construction or development project that doesn’t fit bank construction loan criteria
- You need to pay a tax debt, ATO liability, or creditor before a formal arrangement is required
Case Studies & Success Stories
Why Choose Secured Lending as Your Private Lender?
We’ve structured hundreds of first mortgage private loans for Australian property owners and business owners. We understand that your situation is rarely straightforward — and we don’t expect it to be.
Our lending team assesses the whole picture: the security property, the loan purpose, and your exit strategy. If there’s a deal to be done, we’ll find a way to do it.
- 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
Get a Same-Day Assessment
Don’t waste weeks in a bank queue for a loan that may never get approved. Our team can give you a preliminary assessment the same day you reach out. We can even settle the deal within 24 hours.
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Frequently Asked Questions
A first mortgage means the private lender holds a first-ranking registered charge over your property. In the event of a default, the first mortgage lender is repaid before anyone else. A second mortgage sits behind the first — meaning higher risk for the lender, and typically higher interest rates for the borrower. If you already have a bank mortgage on the property, a private lender would typically only be able to offer a second mortgage unless you refinance the bank debt out entirely. First mortgage private loans generally offer lower rates and higher LVRs than second mortgage options because of the stronger security position. We can assist with any further questions.
At Secured Lending, we can lend up to $10 million. We can lend up to 70% LVR (loan to value ratio) on residential property and up to 65% LVR on commercial property. The exact amount depends on the assessed value of your security property and the strength of your exit strategy.
Private first mortgage lenders aren't looking for a 30-year repayment plan — they need to understand how and when the loan will be repaid within the loan term. Acceptable exit strategies include: sale of the security property, refinance to a bank or another lender once your circumstances change, maturity of a development project or incoming contract proceeds, or receipt of funds from another source (inheritance, business sale, settlement proceeds). A vague or unrealistic exit strategy is the most common reason private loan applications are declined.
Yes, in many cases. As a private lender. we assess loan applications primarily on the value of the security property and the viability of the exit strategy — not a credit score. Defaults, debt agreements, previous mortgage arrears, and even prior bankruptcies (if discharged) can all be considered on a case-by-case basis.
Secured Lending can settle first mortgage private loans in as little as 24–72 hours from approval in straightforward cases. More complex transactions involving multiple titles, company trustees, or SMSF borrowers typically take 5 business days. Compare this to a bank, which can take 4–8 weeks even for a standard application. If your situation is time-critical — a vendor demanding settlement, an ATO payment deadline, or a bridging scenario — speak to us early so we can structure the fastest possible path to settlement.
At Secured Lending, our interest rates start at 9.2%. Private first mortgage loan rates in Australia typically range from 9% to 18% per annum, depending on the LVR, property type, loan term, and borrower circumstances. This is higher than a standard bank mortgage, but the comparison isn't apples-to-apples — private lenders accept scenarios banks won't, settle in days not months, and don't require full income documentation. Most borrowers using private first mortgage finance do so knowing it's a short-term solution at a premium rate, with a clear path to lower-cost long-term finance once their circumstances normalise.
Yes — this is one of the most time-critical scenarios private lenders handle. If your bank has issued a default notice and is moving toward mortgagee possession proceedings, refinancing into a private first mortgage loan can discharge the bank debt and halt the possession process, giving you time to stabilise your finances and arrange a longer-term solution. These transactions are genuinely urgent and require experienced legal and lending teams. Contact us immediately if you're in this situation — the earlier we're engaged, the more options are available.
Yes. Secured Lending lends to individuals, companies, family trusts, unit trusts, and SMSFs (subject to compliance requirements). Many of our borrowers are self-employed operators who hold property in a corporate or trust structure. Borrowing through a company or trust does add some complexity to the legal process and may affect the loan documentation required, but it doesn't disqualify you from accessing private first mortgage finance.
If you reach the end of your loan term and can't repay, you should contact us as early as possible — ideally before the maturity date. We will often consider a loan extension (rollover) if the security position remains sound and there's a credible path to repayment. If a borrower defaults without communicating and no resolution is reached, the lender has the right to exercise its first mortgage security and commence enforcement proceedings, which can ultimately result in the sale of the property. This is always a last resort — it's expensive and time-consuming for both parties. The best protection against this outcome is choosing the right loan term from the outset and having a realistic, documented exit strategy in place before you draw down.
We pride ourselves in ongoing transparent communication and strive to provide the best solutions for our clients.