First mortgage

Senior secured lending, arranged fast.

A first mortgage is the cleanest way to borrow against property. We place it with a private lender who can move when the bank cannot.

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Loan size

$250K–$25M

Settlement

In days

LVR

To ~75%

Term

To 24 months

Indicative only. As brokers we place your deal with the right private lender; final terms are set by that lender.

First position, without the bank timeline.

A first mortgage gives the lender first claim on the property. Nothing else on the title ranks ahead of it. That makes it the lowest-risk way to lend against real estate, so it carries the sharpest private pricing. It is also the deal type we arrange most often.

Whether you are buying, refinancing, or releasing equity for a business purpose, we take the scenario to lenders who price on the security and the exit, not a bank credit policy. Well-prepared files can settle in days rather than months.

We arrange facilities for commercial-purpose borrowing across Australia, from $250,000 to $25 million, secured by residential or commercial property. This is not consumer lending.

What it looks like

  • First-ranking registered mortgage as security
  • Residential and commercial property accepted
  • Interest-only repayments on most facilities
  • Settlement in as little as 3 to 5 business days on a clean file
  • No monthly income servicing test on asset-backed deals
  • A clear exit at the start: sale, refinance, or cash flow

Who this is for.

Property purchase

You have a contract and the bank cannot settle in time. We arrange first-mortgage funding that meets the date so you keep the deposit and the property.

Refinance

Refinance a facility that is expiring or no longer suits, release equity for a commercial purpose, or buy time while you move to a longer-term lender.

Equity release

Draw on the equity in a property you own to fund a business need or an investment, without selling the asset. The purpose must be commercial.

Deals we've placed.

All settled deals→
“A first mortgage is the cleanest deal we do, and it's the one we place most. If the security is sound and the exit is clear, I can usually have a lender's answer back to you in a day or two, not the weeks a bank takes. Send me the property and the plan and I'll tell you where it fits.”
Rory McGrath
Rory McGrath

Founder and Managing Director, Aurelius Private

Common questions.

It is a loan secured by a first-ranking registered mortgage over real property. The lender ranks ahead of every other interest on the title, which makes it the most secure and usually the cheapest form of property-backed lending.
A clean file with a valuation and a clear exit can settle in 3 to 7 business days. Complex security or legal work takes longer. We tell you the realistic timeline up front, not the best case.
Residential, commercial, industrial, and some rural property. Each deal is judged on the asset: location, condition, and how the loan gets repaid. Location and marketability drive both the rate and the LVR.
Often, yes. Private lenders look at the security and the exit rather than a servicing calculator. A bank decline based on income verification, a short trading history, or an unusual transaction does not rule you out.
Lenders on our panel typically price strong first-mortgage deals from around 9% a year, rising with LVR and risk. Those figures are indicative and set by the lender, not by us. Expect an establishment fee, legal costs, and a valuation. We set out the full cost before you commit. If the numbers are tight, a second mortgage or bridging finance may suit the deal better.

First mortgage near you

We are based on the Gold Coast and place first mortgage for clients right across South East Queensland. Explore by area:

First mortgage on the Gold Coast→First mortgage in Brisbane→

Tell us about your deal.

Send through the scenario. You’ll hear back the same day with who would fund it and roughly what it costs. If it doesn’t stack up as it stands, we’ll say so and tell you what would need to change.

Submit a scenarioCall 1300 076 410