Skip to content

Private funding

Short-term property-secured lending, for situations banks can’t move fast enough for — or won’t take on at all.

Typically settled in days rather than weeks. Higher rates than a bank loan, for a shorter time.

Call 0414 905 476Enquire online

When private funding makes sense

Settlement is days away and the bank won’t make it.
You’ve exchanged, the deadline is fixed, and the bank’s approval is still weeks out.
You’ve bought before you’ve sold.
Bridging the gap between the new purchase and the existing sale.
The security is sound but the paperwork isn’t.
Tax returns not lodged. ABN too new. Income is real but not yet documented.
A business needs to move quickly.
Buying stock, funding a contract, covering a tax bill — with property as security.
Development or renovation funding
Where the bank’s timeline doesn’t match the project’s.
A short credit impairment
One that will resolve, but not before this deal has to settle.

What it actually costs

Private funding is priced for speed and risk. Rates are materially higher than bank lending, and terms are short — measured in months, not decades.

You need an exit. Every private loan needs a clear way out before it starts: a property sale, a refinance to a bank loan, or a business event with a known date. If there isn’t a credible exit, private funding is the wrong tool, and we’ll tell you so.

What’s typically involved: interest rate, establishment fee, valuation, legal costs. We’ll set all of it out in writing before you commit — no exceptions.

What happens if the exit doesn’t land. If a sale falls through or a refinance takes longer than planned, most private loans can be extended — but at a cost, and not indefinitely. The security is your property, and the lender’s remedies are real. We’ll talk through what happens if things run late before you sign, not after.

How quickly it moves

Private funding timeline, day one to day sevenA seven-day timeline. Day one: a conversation about the security, amount and exit, with a viability answer the same day. Days two to three: valuation ordered and terms issued. Days four to seven: legals and settlement. A note observes that a bank approval would still be weeks away.DAY 1DAY 2DAY 3DAY 4DAY 5DAY 6DAY 7The conversationSecurity, amount, exit — viable or not, same dayValuation ordered, terms issuedDays 2–3Legals and settlementDays 4–7By day seven, a bank approval would still be weeks away.
Day 1
A conversation about the security, the amount and the exit. You’ll know that day whether it’s viable.
Days 2–3
Valuation ordered, terms issued.
Days 4–7
Legals and settlement.

Timelines depend on valuation access and the complexity of the security. We’ll give you a realistic date at the start, not an optimistic one.

What we’ll need

Property details and current value · Existing mortgage position · Amount and how long you need it · Your exit plan

That’s usually enough for a first answer. Full documentation comes later.

Situations we’ve handled

Purchase settling before a sale completed

Bought before the existing property sold, with a fixed settlement date approaching. Short-term private funding covered the gap and was repaid on sale.

Based on real client files. Details changed and identifying information removed. Every application is assessed on its own circumstances — past outcomes don’t indicate what any lender will approve for you.

Not sure if private funding is the right fit?

That’s a 15-minute conversation. If a bank loan works better for your situation, we’ll tell you that instead — we do those too →

Call 0414 905 476Enquire online

Private lending is not regulated consumer credit in all circumstances. Terms and eligibility depend on the security, the exit strategy and the lender. This page is general information only, not credit assistance.