Common questions. Straight answers.

First mortgages, second mortgages, caveat loans, bridging finance, construction finance, development finance, and business & working capital. Each product is tailored to the specific deal — there's no one-size-fits-all.

From $100,000 to hundreds of millions. The amount depends on the security, the deal structure, and the lender. We work with a network of private lenders who fund at different levels.

Up to 90% LVR depending on the deal, the security type, and the lender. First mortgages typically range from 65-80% LVR. Second mortgages, caveats, and higher-risk structures may 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 — we assess the deal based on the security value and exit strategy.

Most deals receive an indicative response within 24 hours. Formal credit approval typically follows within 2-5 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 2-4 weeks. We'll give you a realistic timeline upfront.

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

Yes. Use our online application form to submit your deal. It takes a few minutes and covers everything we need to provide an initial assessment. You can also call or email us directly if you prefer.

Rates start from 7.5% per annum and vary based on the deal — LVR, security type, loan term, and risk profile all factor in. We provide a clear term sheet with the exact rate before you commit to anything.

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

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

This depends on the lender and the loan structure. Some loans have minimum interest periods (typically 3-6 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 structuring expertise. Fees are split transparently and paid at settlement.

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