When timing matters
more than rate.
Sometimes you need to move faster than a bank allows — or your situation doesn't fit their criteria right now. Private lending bridges that gap. We work with private lenders, non-bank institutions, and specialist funders who move quickly and assess deals on their merits.
A bridge, not a destination.
Private lending isn't for everyone. For the right situation, it's the difference between capturing an opportunity and missing it entirely. Private lending spans institutional funds to family offices — we know which lenders suit your deal, your timeline, and your exit.
It costs more than bank finance, and the terms reflect higher risk and faster turnaround. So we treat it as a bridge. We plan your exit from day one, protect your position, and tell you honestly when private lending is the wrong path. Structure first.
Match you to the right lender
Private capital ranges from institutional funds to family offices. We know which lenders suit your deal, your timeline, and your exit strategy.
Move quickly when it matters
Some private lenders settle in 48 hours with the right preparation. We handle the documentation and lender liaison to keep things moving.
Protect your position
Private lending carries higher costs. We make sure you understand the terms, the risks, and your obligations before you commit.
Plan your exit
Private lending should be a bridge, not a destination. We work on your refinance strategy from day one.
When private lending is the right tool.
Private lending solves problems standard lending can't. If any of these describe your situation, it's worth a conversation.
You need to settle quickly — days or weeks, not months.
Your situation doesn't fit standard bank criteria right now.
You're exiting a development and need bridging to your next project.
You've been declined by a bank but have a clear path to refinance.
You're restructuring debt and need time to stabilise your position.
You have strong equity but non-conforming income documentation.
Where private lending earns its keep.
These are the situations where private lending typically provides the most value.
Development Exit Finance
Your construction loan is expiring but you haven't sold all the stock. Exit finance buys you time to sell at proper market value rather than under pressure.
Bridging Between Purchases
You've found your next property but haven't sold your current one. Short-term bridging lets you move without missing the opportunity.
Debt Consolidation & Restructuring
Multiple debts, expired facilities, or ATO obligations that need immediate attention. Private lending can consolidate and buy time to refinance.
Bank Decline with Strong Equity
Banks have declined on serviceability, but you hold significant property equity. Private lenders assess deals differently.
Speed, relationships, and a clear exit.
Private lending demands a different approach — pace, lender relationships, and exit planning from the start. We front-load the documentation so the right lender can move fast when the deal calls for it.
The honest part: if private lending is the wrong path for your situation, we'll tell you. And if it's right, we won't let it become the destination — your refinance strategy is part of the plan from day one.
Honest assessment
We look at the deal, the security, and the timeline, then tell you whether private lending is the right tool — or whether there's a better path.
Match the lender
From institutional funds to family offices, we approach the funders whose appetite fits your LVR, security, and timeline.
Package for speed
We front-load the documentation and handle lender liaison. With a clear security position, 48–72 hours to settlement is achievable.
Plan the exit
We map your refinance or asset-sale strategy from day one, so the bridge gets you back to standard finance on your terms.
The right tool — used with eyes open.
Private lending can be the right solution. It's important to understand exactly what you're signing up for before you proceed.
Private lending typically costs more than bank finance — rates, fees, and terms reflect the higher risk and faster turnaround.
You need a clear, realistic exit strategy before we proceed.
Most private loans are interest-only with shorter terms of 6–24 months.
We'll give you an honest assessment of whether this is the right path for your situation — and we'll tell you when not to borrow.
Private lending & exit finance.
When does private lending make sense over a bank loan?
Private lending is the right tool in a few specific scenarios: when time is the constraint (settlements in 48–72 hours are achievable), when the security property is unusual or the LVR is higher than banks will accept, when credit history has issues that disqualify bank lending, or when the deal structure — a caveat, second mortgage, or complex cross-security — is beyond what banks will touch. It's short-term and more expensive, but it solves problems that standard lending can't.
What interest rates do private lenders charge in Australia?
Private lending rates typically range from 8–15% per annum, with most transactions sitting in the 9–12% range depending on LVR, security quality, loan term, and borrower profile. Fees (establishment, monthly, exit) add to the effective cost. The rate reflects the speed and flexibility of the product — private lenders take risks and move at a pace that banks don't. For time-critical transactions where the alternative is losing a deal, the cost is usually justified.
What is the maximum LVR available from a private lender?
Most private lenders cap at 65–70% LVR for residential security in metropolitan areas, with some going to 75% for strong locations with clear exit strategies. For commercial property, the cap is typically 60–65% LVR. The exit strategy — how the loan will be repaid at the end of the term — is often more important than the LVR: lenders want to see a clear refinance path or asset sale plan, not an open-ended reliance on private funds.
How quickly can a private loan settle?
For straightforward transactions with a clear security position, 48–72 hours from application to settlement is achievable. More complex transactions — multiple securities, unusual structures, or title issues to resolve — typically take 5–10 business days. The speed comes at a cost: fees are higher for urgent settlements, and incomplete documentation will slow any lender down. We front-load the documentation collection to maximise the chance of a fast settlement.
Related lending.
Complex Restructuring
Untangling multiple facilities and entities into a cleaner, fundable position.
Home Lending
Loans for self-employed borrowers, trust structures, and complex income.
Development Finance
Construction, land, residual stock, and mezzanine across ACT and regional NSW.
Facing a time-sensitive situation? Let's talk.
Start the Conversation
Let's Discuss Your Options
If you're facing a time-sensitive situation or have been told your deal doesn't fit — it's worth a conversation. We'll give you an honest assessment of your options.
Contact Details
Phone
02 6188 9849
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion