Urgent Short Term Loans for Short-Stay and Holiday Rental Properties

Settle on the short-stay property, and refinance once the income is established

Experts in strategic, short-term finance

Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Some banks do not count short-stay income when they assess a loan, which can stop an investment purchase late in the process. We lend on the property and your repayment plan, and can fund the purchase in as little as 24 hours.

We fund short-stay and holiday-let investment properties across Australia, for investors and businesses. Our loans are for investment and business purposes only, so we cannot fund a holiday home you plan to use yourself.

State rules to check before you buy

•In NSW, non-hosted short-term rental is limited to 180 days a year in Greater Sydney and some other areas, and to 60 days a year in most of Byron Shire
•NSW strata schemes can adopt by-laws that ban short-term rental where the lot is not the host's principal place of residence
•Victoria charges a short stay levy of 7.5% of the total booking fee on stays of less than 28 consecutive days, from 1 January 2025
•In Western Australia, a property must be on the short-term rental accommodation register before it can be advertised or take bookings, from 1 January 2025

State, council and strata rules can limit how many nights a property can be let. Check them before you exchange, because they affect both the value and the refinance.

When short-stay investors call us

•The bank will not count the short-stay income
•The property is in a resort-style complex the bank avoids
•The auction or settlement date is close
•You want to buy before selling another investment
•The bank valuation came in below the price

Buying a short-stay property

Enquiry. Send the contract, the property's booking history if it has one, and the settlement date. We respond with terms within hours.
Valuation. We value the property at its market value, not its projected booking income.
Local rules. We check the council and strata rules with you before the letter of offer is signed.
Settlement. Once you sign the letter of offer, the loan can settle within 24 hours.

What to send for a short-stay purchase

•The contract of sale
•Booking and income history, if available
•Strata by-laws, for a unit
•Council rules on short-term rental for the area
•Your refinance plan

Which loans suit a short-stay investor

•First mortgage: over the property being purchased
•Second mortgage: over another property in your portfolio
•Bridging loans: to buy before selling another investment
•Caveat loans: for a deposit from equity you already hold

Short-stay loan terms

Loan feature	Detail
Loan size	$250,000 to $10,000,000
Interest rate	From 9.7% p.a. (first mortgage), from 11.95% p.a. (second mortgage)
Term	1 to 24 months, interest only
Maximum LVR	70% of the lower of the assessed value and the purchase price
Security	A first mortgage over the property, plus other property you own if needed
Settlement	From 24 hours

Refinancing a short-stay property

Investors usually refinance to a lender that counts short-stay income once the property has a booking history, or to a bank on long-term rental income. Some sell the property or another investment. The plan is agreed before settlement.

“A short-stay property can earn well and the loan can still be declined, because some banks do not count the income. We lend on the property itself, and we look closely at the local rules, because they decide what the property can earn and how easily we will be refinanced. Send us the address and the booking history, and we will tell you what we can lend.”

Gino Tabila

Associate Director

Frequently Asked Questions

Yes. We lend on the property's value and your repayment plan, so we do not rely on the booking income to approve the loan. The income does matter for the refinance, which is why we ask about it.

The 180-day cap limits how many nights a non-hosted property in Greater Sydney and some other areas can be let each year, and the limit in most of Byron Shire is 60 days. The cap affects what the property can earn and how a lender values its income.

Victoria charges a levy of 7.5% of the total booking fee on stays of less than 28 consecutive days, from 1 January 2025. It reduces the property's net income, so factor it into your numbers.

In NSW, yes: a strata scheme can adopt by-laws that ban short-term rental where the lot is not the host's principal place of residence. Check the by-laws before you exchange.

No. We lend for investment and business purposes only. A holiday home for your own use is personal lending, and a bank or mortgage broker is the right place to start.

Yes. Since 1 January 2025, a short-term rental property in WA must be on the register before it can be advertised or take bookings.

Settlement on the same day is possible for some short-stay purchases, depending on your scenario. Our valuer needs access to the property, which the agent or the current host can usually arrange quickly.

Yes. We lend for working capital to real estate agencies, property managers and investors, including costs between settlements and furnishing a property before it is let.