⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Private Mortgages in Australia
Fast, flexible mortgage finance secured against property — funded in as little as 24 hours.
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 Private Mortgage?
A private mortgage works like a traditional mortgage in one key way: your property is used as security for the loan. Everything else is different.
Instead of borrowing from a bank governed by rigid institutional lending criteria, you’re borrowing from a private lender that makes its own credit decisions, assesses deals on their individual merit, and isn’t constrained by the same approval layers and compliance timelines that slow banks down. Private mortgages in Australia are legal for business purposes and are protected under Australian contract law — they’re a legitimate, increasingly mainstream form of business finance.
The result is faster approvals, more flexible structures, and access to funding that simply isn’t available through traditional channels.
What Can You Use a Private Mortgage For?
Private mortgages are designed for business borrowers with a specific, time-bound capital need. Common uses include:
- Bridging loans — buy a new property before your existing one sells, or bridge a funding gap between transactions
- Property development — fund land acquisition, pre-construction costs, or a development that’s run over budget
- Business capital — inject working capital, fund an acquisition, or cover operational costs during a transition
- Debt consolidation — roll high-interest short-term debt into a single, lower-rate secured facility
- ATO and tax debt — address an urgent tax liability before it compounds or escalates
- Construction finance — fund multi-residential, commercial, or mixed-use projects where bank timelines don’t fit
If your need doesn’t fit neatly into a category, that’s exactly the kind of deal private lending exists to solve.
Why Private Mortgages Are Easier to Access Than Bank Finance
Banks are built for borrowers with stable income, clean credit, and time to spare. Private mortgages are built for everyone else — and that covers a much broader range of legitimate, creditworthy borrowers than banks would have you believe.
You’re self-employed or have non-standard income Banks want two years of clean financials and consistent payslips. If you’re a business owner, developer, or contractor, that box is often impossible to tick. We assess your application primarily on the security property and your exit strategy — not on whether your income looks the way a bank expects it to.
You have a credit history that’s less than perfect A private mortgage doesn’t hinge on your credit score. Late payments, ATO debts, previous defaults — these factors that would end a bank application don’t automatically disqualify you here. What matters is the asset behind the loan and your plan to repay it.
Your timeline is urgent Bank approvals take weeks. Third-party valuations add more time. Internal credit committees add more again. Because we have our own in-house property valuation team, we can assess your security simultaneously with your application — which is how we fund deals within 24 hours of approval. When a transaction is on the line, that speed is the difference between getting the deal done and losing it.
Case Studies & Success Stories
How Private Mortgages Work With Us
1. Tell us about your deal
Submit your enquiry with the basics: the loan amount, the security property, your purpose, and your exit strategy. The more context you give us upfront, the faster we can move.
2. We assess your security in-house
Our in-house valuation team assesses the property while your application is being reviewed — not after. This parallel process is what allows us to move in 24 hours rather than days.
3. You receive a formal offer
Once assessed, you’ll receive a clear loan offer outlining your rate, term, fees, and repayment structure. No surprises.
4. Settlement and funding
Once you accept and documentation is executed, funds are released. For urgent situations, we work with your solicitor to make this happen as fast as legally possible.
Ready to Move Fast?
If you have a deal that needs funding —speak with the Secured Lending team today. We’ll assess your situation, give you a clear indication of terms, and tell you exactly what we need to move.
- Loans from $250k to $10M
- Rates from 9.2% p.a.
- Funded in as little as 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
Yes. Private mortgages are legal for business purposes in Australia. While they operate outside the National Credit Code — which governs consumer lending — they are binding loan contracts protected by Australian contract law. Both you and the lender have enforceable rights and obligations.
You need sufficient equity in the security property to support the loan. Your loan-to-value ratio (LVR) is the key metric — the lower your LVR, the stronger your application and the better your rate. You don't need a cash deposit in the traditional sense, but the property must provide adequate security coverage for the amount you're borrowing.
Yes. We don't decline applications based on credit score alone. Because the loan is secured against property, your credit history is a secondary consideration. What matters most is the value and quality of your security and the viability of your repayment plan.
In practice, most private mortgages for business purposes function as bridging loans — short-term, asset-secured facilities designed to be repaid at a specific exit point. The term "private mortgage" simply refers to the lending structure (mortgage over property, from a private lender) rather than the purpose. Whether you call it a bridging loan or a private mortgage, the mechanics at Secured Lending are the same.
Yes. We can take a second mortgage behind an existing first mortgage, provided there is sufficient equity in the property to support both. This is a common structure for borrowers who don't want to discharge or refinance an existing facility but need to access additional capital against the same asset.
Ready to Move Fast?
If you have a deal that needs funding —speak with the Secured Lending team today. We'll assess your situation, give you a clear indication of terms, and tell you exactly what we need to move.
Loans from $250k to $10M · Rates from 9.2% p.a. · Funded in as little as 24 hours.