Private Lender in Melbourne

Secured Lending is a private, non-bank lender that funds its own loans from our Barangaroo base. We back businesses and investors across Melbourne with property-secured facilities from $250,000 to $10 million, and a clean file is often settled within 24 hours. Melbourne deals tend to arrive with a deadline attached, a settlement, an acquisition, or a tax bill that will not wait. When a bank has said no or simply cannot keep that timeline, we decide on the value of your security and a credible plan to repay.

Our Private Lending Products

• •First and second mortgages
• •Bridging finance between property settlements
• •Caveat loans for fast, short-term funding
• •Business-purpose and cash-out loans
• •Refinance of expensive short-term debt
• •ATO and creditor payout finance

Why Use a Private Lender in Melbourne

A bank starts with a serviceability test, sends every file to a credit committee, and applies criteria that leave out plenty of sound borrowers, from self-employed owners with lumpy income to businesses trading through a company or trust. Our starting point is different. We look at the value of the security you can offer and how the loan will be repaid, then price and structure the deal around that. In Melbourne, where a purchase or a settlement can turn on a few days, that lets us give a fast, firm answer and fund when it counts.

• •Approvals in hours and funding within 24 hours on a clean file
• •Assessed on the value of your security and your exit, not a serviceability test
• •Complex, self-employed, and non-conforming income welcome
• •Company, trust, and SMSF borrowers are no obstacle
• •Short-term, interest-only funding available
• •Business-purpose and cash-out loans welcome

Who We Help

• •Property owners and investors
• •Developers and commercial property owners
• •Mortgage brokers and finance advisers
• •Lawyers and accountants referring clients
• •Business owners who need urgent capital

We lend for business and investment purposes only, never personal home loans or consumer credit.

Our Rates, Terms and Lending Criteria

• •Loan size: $250,000 to $10 million
• •Term: 1 to 24 months, typically 3 to 6
• •Rates: from 9.7% p.a., with every cost set out in the letter of offer
• •LVR: up to 70%, and up to 75% on strong, well-tenured assets
• •Security: a registered first or second mortgage over property
• •Exit strategy: required on every loan, by sale, refinance, or incoming funds

The exit is the single most important factor we assess. A loan is only as sound as the plan to repay it, so we map that first and build the rest of the decision around it. Property held in companies, trusts, or SMSFs is fine, and we take residential, commercial, industrial, and development security.

Private Mortgage Lender in Melbourne

As a private mortgage lender, Secured Lending takes a registered first or second mortgage over your property as security for every facility. We are a non-bank lender putting up our own capital, so the money you draw is ours to commit. Loans run from $250,000 to $10 million for business and investment purposes, and a clean file is often funded within 24 hours.

Working with a private mortgage lender in Melbourne means no serviceability test and no credit committee holding up your file. We decide on the strength of the security and the credibility of your exit, which lets us move fast and shape short-term structures around the deal. Company, trust, and SMSF borrowers are welcome, as are owners a bank has already declined. Melbourne sits inside a national book, so a local settlement or a purchase across the metro gets the same quick answer.

“The Melbourne borrowers who call us are rarely chasing the cheapest rate. They have a solid asset, a date they have to hit, and a bank that has gone slow. Show us the security and the way out, and you will have a firm answer the same day.”

Gino Tabila

Associate Director

Where We Lend Across Melbourne

From our Barangaroo base we fund clients right across the Melbourne metro, from the CBD and the inner suburbs out to the south-eastern and western growth corridors. Where the security supports it, we also lend into Geelong and the Mornington Peninsula. Wherever your business trades or your property sits, we can move quickly.