Private Finance.2ndMortgages.Caveats.

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

Mortgages fr4.95%*^p.a~ 2nd Mortgages & Caveats fr 1.5%*pm

Director Rob Kirk has many years of experience in private mortgages, land sub-divisions and property construction. This foundation provides the team at Equity Lenders with a unique understanding of our clients' DNA.

1300 859 075
Providing short-term & long-term privately funded mortgages/caveats since 1996!
Bridge loan finance

Use existing home equity to buy any property and borrow 100%+ costs and more! From 4.95%*^ pa

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Equity release loan

Have at least 35% equity in your property and need to access cash fast? 1st & 2nd mortgages

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Develop property

Up to $50m in funds available now for property and land development. 1st & 2nd mortgages & mezz

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Consolidation loans

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

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Relocation loans

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

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Loans suitable for all types of property owners, property buyers, property developers & land developers!

You can expect fast decisions, competitive interest rates, competitive fees, longest loan terms, all the products and much more. We don't offer loans from banks and non-bank lenders.

And, we don't care too much about your past credit history. There aren't any requirements for tax returns, profit and loss statements, BAS, tax assessment notices or presales.

Interest rates are often much, much lower than Credit Cards from
4.95%*^ pa

We skip all the red tape and paperwork involved with traditional lenders and enables us to arrange approvals to settle your loan very fast when others cannot - typically 3-5 business days if a 1st mortgage. 2nd mortgages take a little longer...

  • Upfront fees are req'd for security assessment(s) Deposits req'd for loan agreement preparation

  • Repayment options include prepaid interest for loan term, part-pay-part-equity, month-by-month, fixed interest only and principal and interest

  • Rollovers for longer terms if and as required (fees may apply)

  • Fees are included in the loan amount except val(s)

Why a loan from Equity Lenders 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 always available to newly formed companies and corporate trustees

Fast loan settlements

Loan agreements emailed direct to your legal firm and scanned back to settle fast!


financing and lending


Land development
sub-division funding

Business investment
and expansion

Development finance
residential & commercial

About the loans we offer

We offer loans to: property owners and buyers that are suitable for Directors with an established Pty Ltd Company, Directors that are about to commence a new business with a new Pty Ltd Company, Family Trusts with or without a Corporate Trustee, non-residents, sole traders and ABN holders.

Private 1st Mortgages
Effective 19/10/2020
  • Borrower Fees
    Establishment from 1%
    Equity Lenders from 1%
    ^Monthly Management from 0.1%
    Security Assess from $440
    Legals from $2,200 + disb
  • Loan Terms
    1 month to 3 years
  • Loan Amounts
    fr $50k - $10m
  • LVR's
    up-to 70%
    up-to 75%1
    up-to 80%2
    1subject to funder approval
    2bridging loans
  • Property Types
    Residential, Land & Commercial
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Apply Now

    Download, complete & save our editable pdf application

  • Download our construction pdf fact sheet to 65% LVR

  • Download our construction pdf fact sheet to 70% LVR

  • Download our construction pdf fact sheet to 75% LVR

2nd Mortgages & Caveats
Effective 19/10/2020
  • Borrower Fees
    Establishment from 1%
    Equity Lenders from 1%
    Security Assess from $440
    Legals from $2,200 + disb
  • Loan Terms
    1 month to 2 years
  • Loan Amounts
    fr $50k - $5m
  • LVR's
    up-to 70%
    up-to 75%1
    up-to 80%2
    1subject to funder approval
    2bridging loans
  • Property Types
    Residential, Land & Commercial
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Apply Now

    Download, complete & save our editable pdf application

Land & Property Development Finance
Effective 9/10/2020
  • Rates typically from:
    4.49% p.a 1stRM
    15% p.a 2ndRM
  • Borrower Fees
    Lender Estab from 1.5% - 2.5%
    Lender Line from 0.15%
    Brokerage 2.2%
  • Loan Terms
    6 - 24 months
  • Lending Amounts
    $200k & $1m to $50mil
  • LVR's
    75% housing, 70% comm/resi apartments, 65% land & 80% of TDC for const/develop incl up to 70% NVR for owner builders. GRV/NRV/End value upon application indicative 65%. Limit of 50% in Perth applies
  • Security Ranking
    1st & 2nd* Mortgages & Mezz. *Only if behind an ADI who will consent
  • Property Types
    Residential, Commercial, Land, Industrial
  • Construction
    Duplex, Villa, Townhouse, Apartment, Multiple Units, High-rise, Refurbishment, Commercial
    LVR 70% of “as is” value & 100% of construction from 7.95% - 8.95% p.a, so long as the Facility / limit remains under 65% NRV
  • Valuations & QS
    Lender arranges
  • Exit Strategy
    Must be demonstrated
  • Approval Times
    24 hr approvals - Funding can be within 24 hrs of receiving executed documents
  • Income Evidence?
    No income verification req'd. No Accountants letter req'd
  • Suitable for Introducers?
    No. Only dealing direct with owners & purchasers
  • Locations
    All Capitals, most major Coastal Areas & major Regional Towns with pop's of 150,000
  • Ready to enquire about a loan for your land subdivision or propety development?

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

Invest in Our Mortgages as a Direct Lender
Effective 12/4/2020
  • Receive Interest Returns from:
    6.95% per year 1st & 14.95% per year 2nd
  • (Open to New Lenders)
  • Fees
    Entry Nil
    Exit Nil
  • Loan Terms
    fr 3 months up-to 3 years
  • Lending amounts
    Min $50k - no limit
  • LVR's
    Up-to 70%
  • Security Types
    1st & 2nd Mortgages
  • Property Types
    Residential & Commercial
  • Valuations
    Req'd any LVR
  • Lenders of Record
    Private Lender's Name
  • Security Document Preparation
    Bransgroves Lawyers Sydney
  • Portfolio Management
    Omicron System or Lenders
  • Distribution of Interest Payments
    Monthly or prepaid for term
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • FAQ's on Being a Private Lender

    Download our pdf on FAQ's

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

privates on lender panel one

Our private funding lines for 1st's on this panel have low rates, low fees, long terms & high loan amounts for resi & comm

privates on lender panel two

Our private funding lines for 2nd's & caveats on this panel have low rates, low fees and long terms for resi & comm

privates on lender panel three

Private lenders that we access for 1st's on this panel allow us to offer you Australia's best range of loans for every situation

privates on lender panel four

Private lenders that we access for 2nd's & caveats on this panel provide loans fast and with free range lvr's & rates!

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 Equity Lenders 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 Equity Lenders 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 Equity Lenders 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 Equity Lenders 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 1300 859 075!

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 Equity Lender'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.

Rob and Jenny are owners and directors operating from Brisbane since 1995. Trading throughout the pandemic, we and our pool of lenders continue to offer private property loans, construction loans, property development loans and loans to subdivide land to owners and buyers across Australia. We continue to have access to large pools of private funds to suit most situations.

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 Equity Lenders 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 1300 859 075 | 24/7

We can only assist if you 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!