Private Lending
Fast, Flexible Finance When Banks Say No
Private lenders and non-bank financiers offer speed and flexibility that traditional banks cannot match. We connect you with the right private lending solution for your situation.
What Private Lending Offers
Finance That Works on Your Timeline
Fast Approvals
Private lenders can approve and settle in days, not weeks - critical for time-sensitive opportunities.
Flexible Criteria
Credit history, income complexity and unusual properties are assessed case by case, not by a rigid scorecard.
Bridging Finance
Bridge the gap between selling your existing property and settling on a new one.
Development Finance
Fund construction and development projects that do not meet standard bank criteria.
Credit Repair Strategy
Short-term private lending can help you stabilise finances while you rebuild your credit profile.
Exit Strategy Focused
Private lenders assess your exit strategy - we help you present one that gets approved.
When Private Lending Makes Sense
Common Scenarios We Help With
Private lending is not for everyone, but in the right situation it is a powerful tool. Here is when clients come to us.
Time-Critical Settlement
Missed a bank deadline or need to settle urgently? Private finance can move in 48-72 hours.
Credit Impairment
Defaults, judgements or a discharged bankruptcy do not automatically disqualify you from private lending.
Non-Standard Income
Self-employed, cash income, foreign income or complex structures that banks struggle to assess.
Property Outside Bank Policy
Unusual construction, location, zoning or size that banks will not touch - private lenders often will.
Short-Term Bridging
You have bought before selling and need short-term capital to bridge the gap.
How It Works
Getting Private Finance Arranged Quickly
Scenario Assessment
We review your situation, security and exit strategy to determine the best approach.
Lender Matching
We match your deal with the right private lender - one with appetite for your scenario.
Term Sheet and Approval
Private lenders move fast. We often get indicative terms within 24-48 hours.
Settlement and Exit Planning
We help you plan your exit from private finance into a standard loan when the time is right.
Real Result
“The bank pulled out 10 days before settlement on my development site. Kevin had a private lender organised in 48 hours and we settled on time. Absolute lifesaver.”
— Simon R., Property Developer - Inner West Sydney
6 days
Days to Settlement
$1.4M
Loan Arranged
Customer Reviews
What Our Customers Say
FAQ
Common Questions
Private lending refers to loans funded by private investors or non-bank institutions rather than traditional banks. They are typically shorter term (6-24 months), move faster, and assess applications more flexibly - but rates are higher to reflect the increased risk and speed.
Private lending rates are higher than standard bank rates - typically ranging from 8% to 18%+ per annum depending on the risk profile, LVR, and loan term. The trade-off is speed, flexibility and access when banks are not an option.
Private lenders typically lend up to 65-75% LVR, though some will go higher with strong security or a compelling exit strategy. The property location and type will influence the maximum LVR.
In straightforward cases, indicative approval can come within 24 hours and settlement within 3-7 days. More complex scenarios may take longer. Speed is the primary advantage of private lending.
An exit strategy is how you plan to repay the private loan - for example, by selling the property, refinancing to a bank once your situation improves, or using proceeds from a development. Private lenders focus heavily on exit strategy when assessing applications.
Private lenders who lend to individuals for personal, domestic or residential investment purposes must hold an Australian Credit Licence (ACL). We only work with reputable, licensed private lenders.
Need Finance Fast?
Tell Us Your Scenario
Private lending situations are unique. Book a call and we will assess your options honestly - including whether private finance is the right fit.
Free service. No obligation. Licensed mortgage broker.