First Mortgage Private Loans
Secure funding backed by property, tailored for business needs
Experts in strategic, short-term finance
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
Industries We Service
First mortgage finance for property developers
A first mortgage funds a site acquisition or a settlement with us in first position on title. Where there is an existing first, we pay it out and take its place, so the site carries one lender, one charge and one set of conditions rather than a stack of them.
It is repaid when the stock settles, a construction facility takes over, or the site is sold. Holding first position is what allows a facility sized to the whole site rather than a top-up behind somebody else, and we lend our own funds with our own valuers, so the approval and the valuation do not run on separate clocks.
A first mortgage can help you:
- Acquire a site with us as the only lender on title
- Pay out an existing first mortgage and consolidate the charge
- Fund a settlement where a construction facility is not yet in place
- Borrow against unencumbered property, the site itself or completed stock
- Structure a whole-of-site facility rather than a top-up
- Exit when the stock settles, or a construction facility takes over
A first mortgage funds a site acquisition or a settlement with us in first position on title. Where there is an existing first, we pay it out and take its place, so the site carries one lender, one charge and one set of conditions rather than a stack of them.
It is repaid when the stock settles, a construction facility takes over, or the site is sold. Holding first position is what allows a facility sized to the whole site rather than a top-up behind somebody else, and we lend our own funds with our own valuers, so the approval and the valuation do not run on separate clocks.
A first mortgage can help you:
- Acquire a site with us as the only lender on title
- Pay out an existing first mortgage and consolidate the charge
- Fund a settlement where a construction facility is not yet in place
- Borrow against unencumbered property, the site itself or completed stock
- Structure a whole-of-site facility rather than a top-up
- Exit when the stock settles, or a construction facility takes over
"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
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Case Studies
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
$700K Working Capital for a Technology Start-Up Settled in 72 Hours
$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
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.