Loans. 2nd Mortgages. Fast Caveats.
fr $30k to $10m per borrower today!

Priv 1st Mtg's fr 7%2pa - 2nd Mtg's fr 14.95%1pa - Caveats fr 2%1pcm

do i qualify for a loan - fast free quote

Call from 8am to 6pm Mon-Fri and speak to the manager Rob Kirk

1300 859 075

We're a Lender, a Broker & a Finance Intermediary offering the largest range of loans from private lenders!

You pay $0* upfront fees and $0 commitment fees. A lenders upfront legal fee may be requested upon the issue of a loan offer. *An upfront valuation fee(s) may apply depending on the lender & your available property/cash equity.

Private loans to release property equity, refinance existing loans and caveats, develop, construct and purchase property

Credit reports

Our private lenders don't focus on your credit history. Personal credit reports not always required. Let us know if you want a lender that doesn't care

We're lenders too!

We welcome enquiries from finance brokers, other lenders, accountants, solicitors, financial planners and real estate agents

Save on loan fees

Our private lenders generally don't have non-refundable upfront fees, establishment fees or commitment fees. Pay only for valuations if required

Longer loan terms

Loan terms available from our lenders are from 1-month up-to 7-years but typically max 6-months in the current market

Tell us now online

or take just a few minutes to download and complete our editable pdf for a detailed submission

Private Loans for Corporate Trustees
of Family Trusts, Self-employed, Business Owners, Companies, Individuals & GST registered ABN holders with a bank account in the same name

A large range of private funding solutions are on offer to homebuyers and homeowners, business owners and company owners, ABN holders registered for GST that can provide business banking statements, SMSF's and Corporate Trustees of Family Trusts. Our clients don't have financials, may have paid or unpaid credit defaults, have Judgments or current and previous loan arrears, are recently out of bankruptcy including part 9 or part 10, require equity released from existing property, want to consolidate debts, payout ATO debts, cannot get a bank or non-bank loan, are too old for a traditional loan, need to refinance existing 1st mortgage private loans, 2nd mortgages or caveat loans. Whatever your situation (equity permitting), it's very likely we may be the only lender or finance intermediary in Australia with a loan solution that can assist your specific situation.

Download an editable pdf application pack, complete, save, scan back and be ready for a call and loan quote.

Our Private Loan interest rates are often cheaper than Credit Cards
from 7%2 pa

We offer our own loans and loans from Australia's better private lenders suitable for most situations and we want to lend to you! It may be for a property purchase or against the equity in an existing property. For these types of loans, we skip all the red tape and paperwork involved with traditional lenders and Banks allowing our lenders to approve and settle very fast when others cannot - typically in 72 hours if (full) valuation/s not required. Private loans are secured on a range of property including Residential, Commercial, Retail and Vacant Land. Loans are available in all capital cities and many regional areas (on a case by case basis).

1Discounted rates vary from lender to lender and subject to availability at time of application

2The low rate of 7% pa offered is from a private lender in Sydney and available only to properties located in Sydney, Brisbane and Melbourne. Max lvr range 65-70% applies. Min loan amount of $250,000 applies

  • Most of our lenders have no upfront non-refundable commitment fees!

  • Make no repayments or pay at the end using available equity

  • Bi-annual and annual rollovers for further terms upon request (fees may apply)

  • Fees and repayments can be included in the loan i.e borrow all of it!

Why a loan from Equity Lenders is your smartest choice

Funds available

Our funding lines are high value. From $30,000 to $10,000,000+. We have lenders to suit many situations and can lend across Australia. Fast & very, very urgent caveat funding lines available

Points of difference

25 years of proven lending experience. No business financials, tax returns, profit and loss, balance sheets or accountant letters required. BYO vals not older than 3-months often accepted*

Acceptable security

Residential, industrial, commercial, land banks & some rural. Specialised including plant and equipment, vehicles, boats and company fixed and floating charges. Ask us!

Fast settlements

As soon as your loan is approved and lender conditions satisfied, funds into your nominated account within hours. We use lenders that register their mortgages after settlement too!

Working
capital

Creditor
payments

ATO/BAS
obligations

Business
expenses

Business investment
and expansion

Private Funding
Property and Business

Save time & money - Equity Lenders tick all the boxes!

Equity Lenders is a leading Finance Intermediary of Mortgages and Caveat loans. The loans and fast caveats sourced are available to a range of self-employed business owners with and without a company, family trusts with and without a corporate trustee (if no corporate trustee, business bank account existance may be required), ABN holders registered for GST with business banking account, SMSF's and borrowers at retiree age. Our private lenders loan products and caveat loans have no limitations on a borrowers age and no requirement to demonstrate income. The loans and caveats are provided by private lenders including mum and dad SMSF's and institutions. The operators of Equity Lenders have been in the mortgage lending business since 1996. A comprehensive range of private funding lines are in place with an enviable track record of successfully assisting property owners and buyers with all types of loans secured by mortgages and caveats.

***Our private lenders want to do whatever it takes to make sure they're your lender***

Private 1st Mortgages
Interest Rates 1 effective 12/2/2019
  • Lenders from:
    7% per year
  • Rates typically range:
    0.75% - 1.25% pcm
  • Applicable Fees
    Lender, Legals, Valuation (if applicable) & Intermediary
  • Term for
    Companies, Businesses, Trusts & ABN holders - 1 month up-to 7 years
  • Term for
    Loans in personal names | non-NCC - Max 62 days | NCC - Max 84 months
  • Amounts
    $30,000 - $10,000,000
  • Amounts for loans in personal names
    $30,000 - No Max
  • Max LVR
    Varies from lender to lender - no set limits but typically 70%, 72.5% & 75%
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Valuations
    Equity Lenders at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal & Kerbside. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Fast 2nd Mortgages
Interest Rates 1 effective 12/2/2019
  • Lenders from:
    14.95% per year
  • Rates typically range:
    1.66% - 2% pcm
  • Applicable Fees
    Lender, Legals, Valuation(s) (if applicable) & Intermediary
  • Term for
    Companies, Businesses, Trusts & ABN holders - Min 1 month up-to 7 years
  • Term for
    Loans in personal names | non-NCC - Max 62 days | NCC - Max 84 months
  • Amounts
    $30,000 - No limit
  • Amounts for loans in personal names
    $30,000 - No Max
  • Max LVR
    Varies from lender to lender - no set limits but typically 70%, 72.5% & 75%
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Valuations
    Equity Lenders at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal & Kerbside. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Fast Caveat Loans
Interest Rates 1 effective 12/2/2019
  • Lenders from:
    2% pcm
  • Rates can typically range:
    2% - 5% pcm
  • Applicable Fees
    Lender, Legals, Valuation(s) (if applicable) & Intermediary
  • Term for
    Companies, Businesses, Trusts & ABN holders - Min 1 month up-to 7 years
  • Term for
    Loans in personal names | non-NCC - Max 62 days | NCC - Max 84 months
  • Amounts
    $30,000 - No limit
  • Amounts for loans in personal names
    $30,000 - No Max
  • Max LVR
    Varies from lender to lender - no set limits but typically 70%, 75% & 80%+
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Valuations
    Equity Lenders at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal & Kerbside. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Construction & Development Loans
Interest Rates effective 11/3/2019
  • Lenders from:
    8.95% pcm
  • Rates can typically range:
    9.95% - 24% pa
  • Applicable Fees
    Lender, Legals, Valuation(s), QS Reports & Intermediary
  • Term for
    Companies & Corporate Trustees - Min 3 months up-to 24 months or length of construction or development
  • Term for
    Loans in personal names - 3 months up-to 24 months
  • Amounts
    $250,000 - $10m
  • Quantity Surveyor QS Reports
    Always requried by lender and payable by applicants upon request
  • Max LVR
    Varies from lender to lender - 60% to 70% of GRV ex GST inclusive of fees and interest. 1st & 2nd mortgages available
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Valuations
    Equity Lenders at time of your initial enquiry will advise type of valuation req'd. Valuation types include: Sworn & Kerbside. BYO considered
  • Mezzanine Finance - New product!
    Available to 70% of GRV ex GST and inclusive of fees and interest
  • Loan Purpose
    Construction of residential and commercial property, land subdivisions and property development, refinancing of existing facilities to allow for construction drawdown finance, purchase of sites and more

Fast 1-2 hour loan offers
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

    Robert 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 if applicable & documentation requirements returned. An indicative loan offer is issued by the lender. Allow 1-2 days for valuation/s

  • 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

$
40
m+

Approved, funded and settled loans in last 6 months

9
/ 10

Customers rated us 'excellent' in last 6 months

avg
3
days+

From your first enquiry to settled in last 6 months

96
%+

Success rate of loan approvals in last 6 months

Who are Equity Lenders clients?

Self-employed with or without a Pty Ltd Company, Family Trusts with a Corporate Trustee, Family Trusts witout a Corporate Trustee registered for GST with business bank statements, ABN Holders registered for GST with business bank statements, SMSF Trust's and Non-residents. Also included are business owners that do not have financials or tax returns, have missed one or more loan repayments, have credit defaults, court judgements or are recently out of bankruptcy. Are a brand new business or about to establish a business without trading history. Already have a 2nd mortgage or caveat loan and require an urgent or non-urgent refinance or rollover for further terms.


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

Brisbane

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

Perth

I wanted to sell one of my two Sydney homes. The home needed minor renovation work before listing on the market. And, I needed to have selling expenses on hand. I'm not employed, no company or ABN. I required a loan in my personal name. Click here to read how Equity Lenders provided funds to assist me

Unemployed Homeowner

Sydney

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

Franchisees

Brisbane

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

Australia-wide

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 Mortgage?

A 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 mortgage creates a security interest (legal claim) in the property with the home owner (also known as the mortgagor).

A 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 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 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!

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 located in Sydney and Brisbane.

Immediately 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. Summer Lawyers requires your lawyer or solicitor to personally take a photo of you in their office with endorsements. Elliott May Lawyers requires clients to attend a 2nd legal firm for additional identification.

Our private lender panel provides Development finance, Construction finance and Mezzanine finance. And, we offer loans for those specialised properties too!

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 54.166.133.84 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: loans@equitylenders.com.au
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.

Discuss your fast mortgage or caveat loan requirement with Director & Loans Specialist Robert Kirk. Benefit from many years of experience in all types of private lending!

Call today and lets see what we can do for you 1300 859 075