Private Lending
A property opportunity often needs a different funding structure. Start with the security, purpose, timing and a credible plan to repay the facility.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
What would you like to do?
First mortgage
A facility secured by a first-ranking mortgage over an acceptable property.
Explore this optionSecond mortgage
Funding behind an existing first mortgage, subject to equity, priority and any required consent.
Explore this optionCaveat finance
A short-term property-backed structure. The legal security and priority require careful review.
Explore this optionBridging finance
Funding intended to cover a defined timing gap, with a clear repayment event.
Explore this optionConstruction & development
Discuss the project, approvals, budget, delivery plan and proposed funding stages.
Explore this optionDifferent structures. Different questions.
| Structure | Typical discussion | What needs review |
|---|---|---|
| First mortgage | Property-backed funding in first position | Security value, purpose, serviceability or exit |
| Second mortgage | Using equity behind an existing mortgage | Total debt, priority, equity and required consent |
| Caveat | A short-term property-backed requirement | Legal security, existing interests and exit |
| Bridging | A defined gap before a repayment event | Timing and evidence supporting sale or refinance |
| Development | Funding a construction or development project | Approvals, costs, drawdowns, delivery and exit |
A caveat does not by itself establish a first or second mortgage position. Security and priority require legal review.
Outline your scenario.
This preparation tool stays in your browser. It does not send a scenario, assess eligibility or provide a quote.
Useful to have ready.
- Amount requested and intended business or investment purpose
- Property location, type and estimated value
- Existing secured debt and proposed security position
- Required timing, term and evidence supporting the exit strategy
You do not need every detail to ask a question. Our team will confirm what applies to your circumstances. Please use the agreed secure channel for identity and financial documents.
What happens next?
- 01
Tell us your plans
Share your goal, timing and budget. Start online or have a conversation with our team.
- 02
Review your options
We review your profile and explain possible pathways, repayments, costs and next steps.
- 03
Move forward confidently
Choose whether to proceed. Following approval, we guide you through to settlement.
Explore your options before deciding to proceed with a formal credit application.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
Finance is subject to assessment and approval. Available options and conditions depend on your circumstances.
Questions before you start.
What is an exit strategy?
It is the proposed source of repayment at the end of the facility, such as a supported refinance or property sale. The proposed exit needs review and is not guaranteed.
Can I use the repayment calculator for private lending?
The calculator models a loan with monthly principal-and-interest repayments. It does not model property-backed facilities with retained interest, drawdowns, capitalised fees or other private lending structures. Ask for a scenario-specific explanation.
Does submitting a scenario mean it is approved?
No. A scenario starts a discussion. Purpose, security, documentation, assessment and any available terms must be reviewed separately.