Common questions, straight answers.

First mortgages, second mortgages, caveat loans, bridging finance, construction finance, development finance, and business and working capital. Each facility is structured around the specific deal, so there's no one-size-fits-all.

From $100,000 to hundreds of millions. The amount depends on the security, the structure and the lender. We work across a very large panel of private lenders, family offices and high-net-worth investors who fund at different levels.

Up to 90% LVR depending on the deal, the security type and the lender. First mortgages typically sit between 65 and 80% LVR. Second mortgages, caveats and higher-risk structures can go higher with appropriate risk pricing.

Residential property, commercial property, industrial property, land (including rural), and in some cases other assets. The property doesn't need to be income-producing; the deal is assessed on the security value and the exit strategy.

Most scenarios get an indicative response the same day. Formal credit approval typically follows within two to five business days, depending on the complexity of the transaction and the lender's requirements.

Settlement timelines vary by deal. Simple first mortgages and caveats can settle within days. More complex transactions like construction and development finance may take two to four weeks. We'll give you a realistic timeline upfront.

To get started we just need the basics: property details, the amount, the purpose of funds and your exit strategy. Formal documentation like valuations, title searches and financial statements is requested once we've confirmed the deal can proceed.

Yes. Submit your scenario through the online form. It takes a few minutes and covers everything we need for an initial read. You can also call or email us directly if you prefer.

Rates start from 7.5% per annum and vary with the deal. LVR, security type, loan term and risk profile all factor in. You'll see a clear term sheet with the exact rate before you commit to anything.

Most private facilities include an establishment fee (typically 1 to 3% of the loan amount) and legal costs. Every fee is disclosed upfront in the term sheet before you proceed. There are no hidden charges.

Our brokerage is included in the overall cost structure disclosed in the term sheet. In many cases the lender pays the broker fee directly. We'll walk you through the full cost breakdown before you commit.

That depends on the lender and the structure. Some facilities carry a minimum interest period (typically three to six months), while others allow early repayment without penalty. We'll make sure you understand the terms before settlement.

Yes. We work with referral partners including accountants, solicitors, financial planners and real estate agents. No licence is required for a referral arrangement. You introduce the client, we handle everything else, and you earn a referral fee at settlement.

If you're a licensed broker with a client who needs private lending outside your panel, we can co-broke the deal. You keep the client relationship, we bring the lender network and the structuring. Fees are split transparently and paid at settlement.

Just send us a deal. No formal onboarding, no agreements to sign upfront. Call, email, or submit through the form. If the deal settles, you get paid. We keep it simple.