Private Finance.2ndMortgages.Caveats.

Release Equity. Purchase Property. Develop Property. Subdivide Land. Buy before Sell. Loan Refinance.

30year Priv Mortgages fr 5.69%pa~ 2year 2nd Mortgages & Caveats fr 11.95%pa

If you can borrow in the name of a Company (new or estab), require from $200k (min $250k for our 30-year loans) or more, and have acceptable property to be used as security for a mortgage, we'll try to settle your new loan in 10-days or less!

1300 859 075
Providing short-term & long-term privately funded mortgages/caveats since 1995!
Bridging finance

Use existing equity to buy any property and borrow 100%+ costs and more! From 5.95% pa

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Release equity

Have at least 40% equity in your property and need to access cash fast? 1st & 2nd mortgages

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Develop subdivide

Up to $100m property construction or land subdivision. 1st & 2nd mortgages

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Consolidate debts

Refinance and payout high-rate and expired loans into a longer-term 1st or 2nd mortgage

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Prepare for sale

Selling a property and wanting to get the highest possible price? Renovate first using your equity!

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30-Year non-bank privately funded loans suitable for property owners, property buyers, construction developers & land subdividers that can borrow in the name of a company on offer!

Private Lending continues to provide funding for property loans across a range of residential and commercial real estate assets. To date, we've provided $200+ million in loans with an enviable track record of delivering above-market returns and capital preservation to our valued funders.

For 25+ years, we've assisted our borrowers with funding for working capital, business ventures, release of new and existing equity, land subdivisions, construction financing, rezoning and bridging finance. We provide loans secured by first and second mortgages (caveats too) to assist with restructures, purchases, refinancing and repositioning of property.

Property Construction Development loans & Land Subdivision loans

Privately funded mortgages to construct and develop Houses, Duplexes, Triplexes, Townhouses, Villas, partially completed dwellings, Land subdivisions and more!

  • up-to 70% of GRV Min $250k to $100m

  • Presales not required. Financials not required. Bad Credit history is ok. Owner builders upon application

  • We offer loans to borrowers with limited project development experience

  • Land subdivisions. Land bank. Take out / residual stock finance. Incomplete or partially complete projects

Why a loan from Private Lending is your smartest choice

Private lender panel

Access all types of loans from our own panel + loans from other lenders too!

Point of difference

You talk directly to the lender's broker to access multiple decision-makers!

Starting a new business?

Loans are readily available to 1-day old companies and corporate trustees

Up-to 30 Years available

First 3 years are interest only, then its P&I for the remaining loan term


financing and lending


Land development
sub-division funding

Business investment
and expansion

Development finance
residential & commercial

Features of the loans we offer

Loans available only to Company Directors & Corporate Trustees of Family Trusts

Private 1st Mortgages
Effective 13/7/2022
  • Rates per LVR from:
    5.69% Variable & Fixed Interest Only
  • Borrower Fees
    Funder from 1.98% + GST
    Private Lending 2% + GST
    Funder Application from $2,950 (if applicable)
    Private Lending Application $0
    Funder Line 0.1% (if applicable)
    Valuation's at cost
    Legal's at cost
    Risk Fee (if applicable)
  • Loan Terms
    Up-to 36 months - 1st mortgages
    Up-to 24 months - 2nd mortgages
    Up-to 30 years - capital cities (1st mortgages only)
  • Loan Amounts from
  • LVR's
    up-to 75% housing & townhouse
    up-to 75% apartments & units
    up-to 70% vacant resi land
    up-to 75% resi
  • Loan Types
    Bridging, Equity Release, Purchase, Refinance, Construction
  • Product Types
    Variable IO, Fixed IO, Variable P&I, Fixed P&I
  • Accountant letter required?
    For monthly payments - Yes
    For prepaid payments - No
  • Property Types
    Residential, Land, Commercial
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Construction
    Available across Australia
    Units, Townhouses, Housing up-to 70% GRV
  • Land Subdivision
    Available across Australia
    70% GRV (ex GST)
  • Apply Now

    Download, complete & save our editable pdf application

  • Download our construction pdf fact sheet up-to 70%+ GRV

2nd Mortgages & Caveats
Effective 21/7/2022
  • Rates per LVR from:
    11.95% up-to 60%
    12.95%+ from 60% to 75%
    Variable & Fixed Interest Only
  • Borrower Fees
    Funder from 2% + GST
    Private Lending 2% + GST
    Valuations at cost
    Legal's at cost
  • Loan Terms
    1-24 months
  • Loan Amounts
    From $200k - $5m
  • LVR's
    65%+ land & comm
    up-to 75% resi
  • Product Types
    Variable IO, Fixed IO, Variable P&I, Fixed P&I
  • Loan Types
    Bridging, Equity Release, Purchase, Refinance, Construction & Land Development
  • Accountant letter required?
    For monthly payments - Yes
    For prepaid payments - No
  • Property Types
    Residential, Land & Commercial
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Construction
    Available across Australia
    Units, Townhouses 70%+ GRV
  • Land Subdivision
    Available across Australia
    70%+ GRV (ex GST)
  • Apply Now

    Download, complete & save our editable pdf application

Land & Property Development Finance
Effective 13/5/2022
  • Rates from:
    8.99% pa 1stRM
    1.5% pm 2ndRM
  • Borrower Fees
    Establishment 2%
    Private Lending 2%
    Line Fee 0.15% pm
    Lender's Legals at cost
  • Loan Terms
    6 - 24 months
  • Lending Amounts
    $250k to $50mil
  • LVR's
    Up-to 70% NRV (75% combo avail) residential and commercial, up-to 60% of as-is land value
  • Security Ranking
    1st & 2nd Mortgages
  • Property Types
    Residential, Commercial, Land, Industrial
  • Construction
    Duplex, Villa, Townhouse, Apartment, Low-rise, Refurbishment, Partially completed & Commercial
    Up-to 70% LVR
  • Valuations & QS
    Funder arranges
  • Exit Strategy
    Must be demonstrated
  • Presales
    Not req'd
  • Approval Times
    2-hr indicative approval
  • Income Evidence?
    Current or previous project profits evidence
  • Available for Mortgage Brokers?
  • Locations
    All Capitals, most major Coastal Areas & major Regional Towns with pop's of min 50,000
  • Ready to enquire about a loan for your land sub-division or property development?

    Download our land & property development enquiry form, complete and email back to

Development Line of Credit
Effective 2/2/2022
  • Rates from:
    7.95% pa 1st & 10.95% pa 2nd
  • Approved facility limit for property developers
  • Borrower Fees
    Establishment 1.65%
    Private Lending 2.2%
    Line 0.2% pm
    Legal's from $3,500+ disb
  • Loan Terms
    Evergreen facility subject to annual reviews
  • Lending amounts
    Min $100k - $5m
  • LVR's
    Up-to 70% (incl GST)
    2nd mortgage considered on merit
  • Security Types
    1st & 2nd Mortgages
  • Property Types
    Residential, Commercial, Vacant Land & Rural
  • Valuations
    'As-is' within 90-days of app at borrowers cost
    Annual updated vals req'd at borrowers cost
    Req'd for additional and/or substitute security
  • Servicing
    Not req'd
  • Repayments
    Capitalised monthly (within limit) or monthly repayments
    Minimum capital reduction $25,000
  • Risk Matrix
    Fee charged by quarter
    LVR >50% 1st RM 0.30% | 2nd RM 0.60%
    LVR 50%-60% 1st RM 0.45% | 2nd RM 0.75%
    LVR 60%-70% 1st RM 0.60% | 2nd RM 0.90%
  • Borrower Types
    Companies & Corporate Trustees
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns

Fast 1-2 hour loan offers in most cases
Fast processing. Fast decisions. Fast settlements!

We know your requirements for funds may be urgent. That's why we get to Yes FAST and transfer without delay

  • Tell us your requirements by clicking here

    The manager will immediately assess your loan request and present you with a decision. Positive decisions result in a preliminary quote being issued with amount available, estimated interest rate and a fee schedule. Allow 1-2 hours

  • You accept our quote and wish to proceed

    Our application form is processed, valuation ordered & documentation requirements returned. An indicative loan offer is issued by the lender. Allow 1-2 days for valuation/s. Allow 1-2 days to process 1st mortgagee letter for 2nd mortgage applicants

  • You accept our loan offer
    - prepare for settlement

    Put your Solicitor on standby to receive your loan agreement by email, attend to lender & solicitor requirements, sign-up then get ready for settlement funds to be transferred. Allow 1-2 days for this final step

+ mil since 2018

Loans made & arranged by Private Lending secured by 1st mortgages, 2nd mortgages and caveats

privates on panel one

Our private funding lines for 1st's, 2nd's & caveats are for housing, vacant land lots, commercial & construction

privates on panel two

Our private funding lines for 1st's, 2nd's & caveats are for land subdivisions, property development, rezoning & repositioning

% service performance!

Indicative quote 1 bus. hr, lender approval same day, loan offer same day, loan agreement same day, settlement 1-2 days

What you can do with the funds we arrange for you

Release equity from residential and commercial property using a registered 1st mortgage, 2nd mortgage or caveat. Purchase your next property while selling your current property using a combination of registered 1st and 2nd mortgage. Refinance an expiring high-rate short-term loan into a new long-term lower-rate loan. Consolidate a high-rate 2nd mortgage and even higher-rate caveat loan(s) into a new loan. Subdivide land into residential or commercial lots. Construct a Duplex, Villa, Townhouse, Apartment, Multiple Units or High-rise. Refurbish residential and commercial property. Properties include: Residential, Commercial and Industrial

I required a very, very urgent bridging loan to make sure we didn't lose our $100,000 deposit. Robert dropped everything and provided me with a Caveat loan from a private lender in Perth that didn't require valuations and ignored maximum lvr's. Click here to read how Private Lending was the only one that assisted me when nobody else I contacted could!

Self-employed Contractor


A large land site approved for 65 lots became available from the receivers. I required a 1st mortgage private land loan with 6-months prepaid interest and fees to give me time to develop. Click here to read how Private Lending was able to assist me to make sure I didn't miss out on this limited opportunity!

Property Developer


I required a loan to assist with the purchase and renovation of a tenanted bank of shops with adjoining developable vacant land. I saw an immediate uplift in property value if renovated and re-tenanted. I required a commercial renovation loan to purchase with progressive payments. Click here to read how Private Lending provided funds to assist me

Property Developer


We wanted to renovate our home, consolidate our loans and credit cards, repay loans to family members, repay overdraft and pay staff super. A 2nd mortgage for $100k in the hand was required. Click here to read our story on how Robert provided a 12-month private loan



I'm an owner of a bait and tackle shop in a coastal WA town. I took the wrong loan to grow the business and now find I can no longer afford the repayments. I need to refinance to a lower rate. Robert was able to refinance my high rate loan with a low rate private loan. Click here and read how Private Lending changed my loan over and saved my business

Shop Proprietor

Western Australia

My company develops raw land into saleable parcels of land and deals exclusively with blue chip companies and conglomerates. I needed to deal with a specialist broker that was capable of providing our company with a number of large private loans up to $6.3 million. Click here to read how Robert assisted us with our requirements!

Land Developer


What is a Caveat?

A Caveat provides a fast and seamless means of settling a short-term loan. Secured by way of a registered Caveat, this facility is available to any homeowner that wishes to retain their existing 1st mortgage and 2nd mortgage but require a short-term line of funding beyond their current credit providers capacity. Short-term Caveat loans are generally only available for business purposes.

Caveat loans are basically like a mortgage or charge over one or more of your properties. You receive funds and the lender puts a charge over your property to secure the repayment of the debt. They are typically behind another mortgage over your property.

Caveat loans are usually used for real estate dealings or business dealings. If you are stuck in the short-term requiring funding and settlement of a pending matter will take months, Caveat loans can come to the rescue in providing you with the cash required, secured over your new or existing property. Caveat loans are often borrowed by property owners, project managers, businessmen or other borrowers who realise they cannot afford to miss out on funding.

What is a 2nd Mortgage?

A 2nd mortgage is actually not a loan as most people would think. It is a registrable form of security that can guarantee the payment of a debt or loan. A 2nd mortgage creates a security interest (legal claim) in the property with the home owner (also known as the mortgagor).

A 2nd mortgagee (the lender in a mortgage, typically a bank or private lender) does not have title to or possession of the property. But if a borrower (aka mortgagor) is in default on a loan, the lender (aka mortgagee) can exercise certain remedies if the borrower defaults.

An unregistered mortgagee does not automatically have statutory powers to sell the property as a registered mortgagee. It is not uncommon for banks and lenders (mortgagees) to send borrowers with letters of demand requesting payment of the loan before seeking to enforce their rights through court.

The following remedies are available to a mortgagee when the 2nd mortgagor defaults:

  • Take possession of the property occupied by a tenant by giving the tenant a written notice explaining that the mortgagee is taking possession and that the tenant now pays the rent to the mortgagee; or
  • Bringing Court proceedings against the mortgagor for:
  • possession of the property
    selling the property
    obtaining a monetary judgment
    obtain an order for foreclosure

    If you would like to know more about 2nd Mortgages and Caveats and how they operate or effect you, you are urged to seek your own legal advice.

The National Consumer Credit Protection Act 2009, or NCCP, is legislation that's designed to protect consumers and ensures ethical and professional standards in the finance industry. Lenders and mortgage brokers must hold a credit licence or be registered as an authorised credit representative. The NCCP is regulated and enforced by ASIC in accordance with the National Credit Code(NCC).

What is a Regulated loan? - As a general rule, almost all home loan types and applications are regulated under the Act. The rules for this are complicated, however, a loan is likely to be regulated if the borrower is a natural person, a charge is made for providing the credit and the credit provider provides the credit in the course of a business. The credit is provided wholly or predominately for personal, domestic or household purposes. Or to purchase, renovate or improve residential property for investment purposes. Or to refinance credit that's been provided wholly or predominately to purchase, renovate or improve residential property for investment purposes. This means that most standard home loans are regulated under the NCCP Act.

What is an Unregulated loan? - There are exceptions that aren't regulated by the NCCP Act. Home loans that are unregulated include loans in the name of a Company (i.e. not to a 'natural person') or loans used predominantly to invest in commercial property, shares or a business.

The NCCP does not apply to certain loans including low cost short term credit that is 62 days or less. However, the NCCP does apply to a loan of less than 62 days if fees and charges exceed 5% of the amount of the loan or if the interest rate exceeds 2% pcm or 24% p.a.

Don't risk wasting your money, time and fees by being declined by other lenders - call us today on 07 3040 2800!

Download the Gov't fact sheet for detailed information.

All private lenders across Australia require you to have legal advice before any funds are handed over. Each lender has a preferred legal firm. Legal firms are generally located in Sydney.

Immediately after your loan is approved by one of Private Lending's private lenders, instructions are issued to the lenders preferred legal firm to prepare the loan agreements and checklists.

When the loan agreement and checklist has been created, the pdf's are emailed to your nominated lawyer or solicitor. Your lawyer or solicitor is instructed to print off the documentation and make an appointment for you to attend their office.

Before meeting with your nominated lawyer or solicitor, you will be requested to bring with you checklist items. These items usually include photo identification i.e drivers licence and passport and/or birth certificate, both council and water rates notices with confirmation that all instalments have been made, certificate of currency (not applicable for strata) with the lenders name on it (lender will provide the names), land tax statement (your solicitor often provides this), deposit slip or bank letter confirming the account your equity release funds are to be credited to etc.

Because of increasing fraud being continuously discovered, each lender has specific requirements they expect their legal firms to undertake.

We are a Brisbane based mortgage manager and originator operating since 1995 sourcing and managing short-term and long-term funds on behalf of private funders to assist our clients.

Robert oversees all aspects of Private Lending's day-to-day operations, including loan acquisition, underwriting and investor relations. Private Lending are not licenced by ASIC to arrange or discuss regulated home loans.

Before we can present you with a loan offer there's a few things we need to know:

Address(s) of the property(s) being
used as security or being purchased:

From your IP address we can see you are located in Ashburn Virginia
You agree to Private Lending's Personal, Electronic Consents and Privacy Policy    

Please prepare an offer for me to consider and email to me within 1 business hour or as soon as you can. I understand you may need to verify equity in my property(s) and have questions. I'll be on standby.

Prefer to email-in your enquiry? Send to:
Prefer to speak with a decision-maker first? Call 07 3040 2800 | 24/7

We can only assist if you can borrow in a company and have generous equity in your existing property/ies or the property you are purchasing. We don't have a fee to prepare quotes or offers. We don't have an upfront commitment fee.

Lenders wishing to join our lender panel and receive both short-term and long-term above-market secure interest returns on their funds please contact Director & Lender's Broker Robert Kirk today. Benefit from many years of experience in all types of private lending!