%20(1).jpg)
Private Lending
Flexible Private Lending solutions for non-standard or time-sensitive finance needs
What is Private Lending?
Private Lending provides an alternative source of finance for borrowers whose circumstances may not fit traditional bank lending criteria.
Rather than relying solely on standard income verification, private lenders often base their loans on property security rather than standard income verification.
Private Lending is commonly used for short-term funding, urgent transactions or more complex lending scenarios where flexibility and speed are important.
Common Private Lending Scenarios
Private Lending can provide a flexible funding solution in situations where traditional lending may not be suitable.
A Complex Transaction
Transactions that don't fit standard bank policy or lending parameters. These can include residual stock following a development, property held through complex company or trust structures, caveat lending, time-sensitive property settlements, or transactions involving unusual property types or security arrangements.
A Time Sensetive Purchase
Private lending can assist where funding is required within a short timeframe.
Examples include purchasing a property with a tight settlement deadline or securing an opportunity that requires a fast lending decision.
A "non-standard" Borrower
Some borrowers with complex income structures may have difficulty meeting traditional bank lending criteria due to their income, credit history or financial position. Some examples of this include recent credit issues or circumstances that fall outside standard Major bank policy.
Short-term Funding
Private lending may be suitable for short-term finance requirements. These can include funding the completion of a development project, refinancing residual stock while remaining properties are sold, meeting an urgent settlement deadline, or providing temporary funding while longer-term bank finance is arranged.
Time-sensitive Purchases
Private lending can assist where funding is required within a short timeframe.
​
Examples include purchasing a property with a tight settlement deadline or securing an opportunity that requires a fast lending decision.
Short-term Funding
Private lending may be suitable for short-term finance requirements.
These can include funding the completion of a development project, refinancing residual stock while remaining properties are sold, meeting an urgent settlement deadline, or providing temporary funding while longer-term bank finance is arranged.
A "non-standard" Borrower
Some borrowers with complex income structures may have difficulty meeting traditional bank lending criteria due to their income, credit history or financial position.
Some examples of this include recent credit issues or circumstances that fall outside standard Major bank policy. Borrowers like this may benefit from more flexible lending solutions.
A Complex Transaction
Private lending can be used for transactions that don't fit standard bank policy or lending parameters.
​
These can include residual stock following a development, property held through complex company or trust structures, caveat lending, time-sensitive property settlements, or transactions involving unusual property types or security arrangements.
Factors Lenders May Consider
Private lending assessments are typically focused on the strength of the security property and the proposed exit strategy, rather than standard bank lending criteria. Key factors typically include:
​
-
Property value and available equity
-
Proposed exit strategy (sale or refinance plan)
-
Loan purpose and required timeframe
-
Strength and suitability of the security property
-
Borrower background and relevant experience
-
Over-all risk profile of the transaction
Private Lending solutions vary significantly between lenders and funders. Selecting the right facility and loan structure is essential. The right funding approach can help achieve a faster outcome while supporting your broader financial objectives.
If you'd like to explore tailored Private Lending solutions, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, Private lending can often overlap with other finance solutions, including:
​
Solutions to help you review your current home loan, reduce repayments or access equity
​
Solutions tailored to your business and property goals, with options for Self-Employed borrowers
​
Designed to support portfolio growth and long-term wealth creation
​
​
Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.