Urgent Equity-Release Loans

Rates fr4.95%pa- 2nd Mortgages fr1.75%pm - Caveats fr2%pm

1300 859 075
Originators & Mortgage Managers since 1996!

23 Privates for 1st Mortgages & 11 Privates for 2nd Mortgages
Bridging finance

Use existing home equity to buy any property to 100%+ costs and more! Most borrower types ok!

Equity release

Have more than 20% equity in your property and need funds for any purpose? From 4.95%pa

Land development

Up to $20m in funds available to 75% LVR for sub-divisions. 1st & 2nd mortgages available

Construction loans

Up to 75% LVR of end value to $20m without presales or financials. 1st & 2nd mortgages avail

Settle on a caveat!

We don't always want to wait for consents or priority deeds. Settlements are mostly by caveats

Australia's Largest Range of Private Loans!

We have private funds to suit all types of borrowers and almost all situations. Bridging Finance, Equity Release, 2nd Mortgages, Caveat Finance, Refinance Expired & High Rate Loans, Property Purchase, Property Construction, Property Development, Land Subdivision & Debt Consolidation

Our Private Loan interest rates are often cheaper than Credit Cards
from 4.95% p.a

We skip all the red tape and paperwork involved with traditional lenders and Banks allowing us to approve and settle very fast when others cannot - typically up-to 5 business days.

  • Upfront fee req'd for both security assessment(s) & loan agreement preparation

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

  • Rollovers for longer terms if and as required

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

Why a loan from Equity Lenders is your smartest choice

Funds available

We offer and manage our own funding lines & offer loans from other lenders too!

Points of difference

You talk directly with the Lender & decision-maker without waiting hours or days!

Not in business?

A range of loans are available to you even if you don't have a company or trust

Fast settlements

Now offering convenient low fee face to face Skype loan document signup's to borrowers!





Business investment
and expansion

Private Funding
Property and Business

Loans to suit all types of property owners and buyers

**Ask us today if you qualify for 4.95% pa - now Australia's lowest interest rate!**
We offer you loans from our own funding lines and others loans from Australia's leading lenders

1st Mortgages (our funds)
Rates 18/3/2020
  • 21 lenders on panel 1 - rates from:
    8% per year
  • Rates typically range:
    0.66% - 0.92% pcm
  • Loan Fees
    Estab fr 1%
    Security Assess fr $440
    Line fr 0.10% pcm
    Legals fr $2,310 + disb
  • Loan Term
    Companies & Family Trusts - Min 3 months up-to 2 years
  • Loan Amounts
    fr $50k - $20m
  • LVR's
    up-to 80%1 - Land 65%+ - Comc'l 65%+ - Const 75%
    1subject to funder approval
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Apply now

    Download, complete & save our editable pdf application

  • Construction

    Our Construction 55 lending guide

  • Construction

    Our Construction 75 lending guide

2nd Mortgages (our funds)
Rates 4/4/2020
  • 10 lenders on panel 2 - rates from:
    21% per year
  • Rates typically range:
    1.75%pcm - 2.5% pcm
  • Loan Fees
    Estab 2%
    Security Assess fr $440
    Line fr 0.10% pcm
    Legals fr $2,750 + disb
  • Loan Term
    Companies & Family Trusts - Min 6 months up-to 1 year
  • Loan Amounts
    fr $50k - $10m
  • LVR's
    up-to 60%1 - Land up-to 65% - Comm up-to 70%
    1subject to funder approval
  • Locations
    Metropolitan, Coastals & Regionals of QLD, NSW, VIC, SA, WA & ACT
  • Apply now

    Download, complete & save our editable pdf application

1st Mortgages (others funds)
Rates 18/3/2020
  • 10 lenders on panel 3 - rates from:
    4.95% pa + 0.1% pm
  • Rates typically range:
    0.412% - 1.25% pcm
  • Loan Fees
    Estab fr 2% (min $2,950)
    Valuation fr $440
    Line fr 0.10% pcm
    Legals fr $2,200 + disb
  • Loan Term
    Companies & Family Trusts (non-coded) - 1 month up-to 2 years
  • Loan Term
    Personal Names up-to 62 days non-coded & up-to 1 year + rollover coded
  • Loan amount non-coded
    $50k - no limit
  • Loan amount coded & non-coded
    $50k - no max & $200k non-coded - no max
  • LVR's
    Resi up-to 75% (non-coded), Resi up-to 75% (coded) - Land 65%+ - Comm 65%+ - Const 70%
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Apply now

    Download, complete & save our editable pdf application

  • Construction

    Construction 70 lending guide

2nd Mortgages/Caveats (others funds)
Rates 29/3/2020
  • 6 lenders on panel 4 - rates from:
    24% pa 2nds / 2% pcm Caveats
  • Rates typically range:
    2% - 2.5% pcm
  • Loan Fees
    Estab fr 2% (min $2,950)
    Valuation fr $550
    Line fr 0.10% pcm if applicable
    Legals fr $2,200 + disb
  • Loan Term
    Companies & Family Trusts (non-coded) 3 month2 up-to 1 year
  • Loan Term
    Personal Names up-to 62 days non-coded & up-to 1 year + rollover coded
  • Loan amount non-coded
    $100k - $5m
  • Loan amount coded & non-coded
    $100k coded - no max & $200k non-coded - no max
  • LVR's
    Resi up-to 85%* (non-coded), Resi up-to 75% (coded) - Land 65%+ - Comm up-to 80% - Caveats 80%+ - Rural, R&D Rebates, Federal/State Gov't Rebate/Payment, Invoices, Receivables, Child Care Centres, Hotels, Petrol Stations, Residual Stock, Partially Complete Projects upon application (* 1+ security + confirmed exit)
  • Locations
    All Capital Cities, major Coastal Areas & major Regional Towns
  • Apply now

    Download, complete & save our editable pdf application

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 & 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

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!

Who are Equity Lenders clients?

Self-employed with a brand new or established Pty Ltd Company, Family Trusts with a brand new or established Corporate Trustee, SMSF Trust's, Non-residents and Individuals that aren't in business, aren't company directors and don't have a family trust. 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. Brand new businesses 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. Constructing property or subdividing land, selling and buying property (bridging loan) and more!

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 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


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 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.

Introducer enquiries welcome - we invite Accountants, Financial Planners, Insurance Agents, Real Estate Agents, Solicitors and all types of Finance Brokers to present suitable loan funding scenarios. We'll provide you with “high level” indications of whether finance is available or not...within 1-2 hours! Call 1300 859 075 or email rkirk@equitylenders.com.au your request for our latest loan product guide

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: 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