Insights & Analysis.
Market commentary, educational resources, and deep dives into the world of private credit and property finance.
Bridging a bank refinance that isn't ready yet: timing, prepaid interest and early repayment
How a short-term private loan bridges the gap until a bank refinance is approved, how prepaid and capitalised interest work, and what early repayment actually costs, with a worked example.
5 min read
Commercial private mortgages in Brisbane
Short-term commercial private mortgages in Brisbane and South East Queensland for refinances, tax debt and specialised property, and the kinds of Queensland deals we see.
3 min read
Commercial private mortgages in Melbourne
Short-term commercial private mortgages in Melbourne for refinances, equity release and purchases, and the kinds of Melbourne commercial deals we see.
3 min read
Commercial private mortgages in Sydney
Short-term commercial private mortgages in Sydney for businesses refinancing, clearing tax debt or buying property, and the kinds of Sydney commercial deals we see.
3 min read
Commercial private mortgages on the East Coast: what we're seeing in Sydney, Melbourne, Brisbane, the Gold Coast and Canberra
The kinds of commercial private mortgage deals we see across the East Coast, what makes them work or not, and how to get a commercial property loan approved quickly.
4 min read
Private bridging finance in Brisbane and the Gold Coast
Short-term private bridging loans for companies and investors in Brisbane and on the Gold Coast, the kinds of South East Queensland deals we see and how to get one settled quickly.
3 min read
Private bridging finance in Melbourne
Private bridging loans for Melbourne companies, developers and investors, including land settlement bridges, the kinds of deals we see and what lenders need.
3 min read
Private bridging finance in Sydney
How private bridging loans work in Sydney for companies and investors, the kinds of deals we see, what lenders check, and how quickly you can settle.
3 min read
Why doctors are coming to a private lender
Why doctors and practice owners use short-term private lending, the situations we see most often, and how a bridge can fund a medical centre purchase while the bank finishes its assessment.
4 min read
Residual stock loans: what we've learned from the deals we've looked at
How residual stock finance works, how lenders size it, and the issues that come up again and again in residual stock enquiries.
5 min read
Why Is Private Credit More Expensive Than Normal Bank Lending?
The bank quotes a 6, we quote an 11.95. But rate is only half of a price, and the other half is time. A worked $2,000,000 comparison over 12 months and 30 years.
6 min read
How a First Mortgage Won a Commercial Purchase on a 21-Day Settlement
A worked example of a $3m first mortgage that funded a $5m industrial warehouse purchase and settled in about ten business days on a 21-day contract.
3 min read
What Falling Property Values Mean for Private Credit and Non-Bank Lending in 2026
Australia's housing downturn is reshaping who funds property deals. As banks retreat, private credit is stepping into the gap, and choosing the right lender matters more than ever.
4 min read
A Second Mortgage That Unlocked Equity Without Touching a Cheap Bank Loan
A worked example of a $600k second mortgage that unlocked working capital while keeping a cheap bank first mortgage in place. How the security choice made it fund.
3 min read
Bridging Finance in Action: How a Business Owner Sold on Their Own Timeline
How a business owner used a $1.3m bridging loan to clear a maturing business debt and sell their property without a rushed price. A worked example.
3 min read
How Does a Private Lender Decide Whether to Approve a Property Loan?
Private lenders approve on security, LVR, purpose and, above all, the exit. Here is the order we assess a deal in, and why the exit is tested before anything else.
4 min read
The Bank Said No to a Property-Secured Loan. What Now?
If the bank declined a property-backed business loan, a private lender may still fund it by looking at the security and the exit rather than a servicing template.
4 min read
Can a Company or Trust Borrow Against Property in Australia?
Yes. Companies and trusts can borrow against property for business or investment purposes. Here is how these loans differ from personal loans, and what a lender needs.
4 min read
What Is a Second Mortgage, and How Much Can Your Client Borrow Behind Their Bank?
A second mortgage lets your client borrow against their equity without refinancing their first loan. Most private lenders go to about 70 to 75% combined LVR. Worked example inside.
4 min read
How Long Does a Bridging Loan Take to Settle in Australia?
Most bridging loans from a private lender settle in one to three weeks. Here is what drives the timeline, and a worked example that settled in nine business days.
4 min read
Private Lending in Australia: What It Is and Why It Exists
A plain-English explainer of private (non-bank) lending in Australia: what it is, why the market exists alongside the banks, and where it genuinely makes sense to use it.
8 min read
Retail Property Finance in Sydney: What Lenders Fund
How retail property is actually financed in Sydney: daily-needs vs discretionary, realistic LVRs by sub-market, NSW land tax and stamp duty, and the deals banks decline.
6 min read
Sydney Suburbs
A page for each Sydney suburb we lend in, with that suburb's real values, how long things take to sell there, a worked example on local numbers, and what private credit actually settled in the area.
Balgowlah Heights
How a company or trust settles an investment purchase before its Balgowlah Heights asset sells, with a worked bridging example and the 75% combined cap.
Bellevue Hill
How trusts and companies release equity from Bellevue Hill investment property, and why a thin set of comparable sales decides the facility size.
Bronte
What to do when a private facility over a Bronte investment property is about to mature. Worked refinance example on Bronte values, for companies, trusts and SMSFs.
Cammeray
Cammeray second mortgages live close to the 75% cap. The scenario that gets declined, a worked example that fits, and what thin headroom does to the deal.
Castle Hill
How a company or trust settles a Castle Hill investment purchase before the outgoing asset sells, with a worked example and a real de-identified facility.
Castlecrag
In a suburb that sold 33 houses in a year, the valuation sets the size of the facility. A worked second mortgage example on Castlecrag investment values.
Clovelly
How companies and trusts clear a capital gains tax bill ahead of an investment property settlement in Clovelly, with a worked second mortgage example.
Coogee
How investors release capital across two or three Coogee units taken together as combined security, with a worked second mortgage example on Coogee unit medians.
Cremorne
What strata title and the owners corporation do to a loan against a Cremorne investment apartment, with a worked second mortgage example on Cremorne values.
Double Bay
How business owners fund an acquisition against Double Bay commercial or mixed use property, and why the LVR cap is 70% rather than 75%.
Dover Heights
How investors raise capital behind a long-held, cheaply priced bank facility on a Dover Heights property without refinancing it. Worked example inside.
Freshwater
How companies and trusts clear the GST owing on a commercial or investment property sale, with a worked second mortgage example on Freshwater investment values.
Hunters Hill
Heritage stock and very few sales make Hunters Hill investment security hard to value, and the valuation decides the facility. Worked example inside.
Killara
Killara investment property in a family trust usually carries little bank debt, so the ratio is low. What a low LVR should buy you, with a worked example.
Lane Cove
Where a Lane Cove business owner offers both a shopfront and an investment house, the 70% commercial cap and 75% residential cap are applied line by line.
Manly
How investors raise capital against Manly short-stay and investment property when seasonal income reads badly to a bank. Worked second mortgage example.
Mosman
How business owners raise capital against Mosman investment property without selling or disturbing the bank loan. Worked second mortgage example on Mosman values.
North Bondi
How companies and trusts settle a North Bondi investment purchase on a short timeframe when a bank cannot verify the income in time.
Northbridge
How a company or trust settles a Northbridge investment purchase before the asset it is selling settles, with a worked bridging example on Northbridge values.
Paddington
How business owners raise working capital as a second mortgage behind an existing bank loan on Paddington property, with a worked example on Paddington values.
Pymble
What to do when a private facility over a Pymble investment property is close to expiry, how a takeout is assessed, and a worked first mortgage example.
Rose Bay
How a company or trust settles one Rose Bay investment purchase before the other asset sells, with a worked peak debt example on Rose Bay values.
Roseville
How a business owner raises capital against a Roseville investment property faster than a bank can move, with a worked second mortgage example on Roseville values.
South Coogee
Asset rich and cash poor is a common position in South Coogee. How business owners get capital out of an investment property without selling it.
St Ives
How a family trust raises capital against a St Ives investment property to complete a business handover between generations, with a worked second mortgage example.
Strathfield
How Strathfield business owners raise working capital against commercial and residential security together, and how the 70% commercial cap applies.
Vaucluse
How business owners release capital behind an existing bank loan on Vaucluse investment property, and why a small valuation movement decides the fit.
Wahroonga
How a company or trust clears an ATO, GST or CGT liability against a Wahroonga investment property ahead of a sale or refinance. Worked example inside.
Willoughby
How companies and trusts release equity from Willoughby investment property behind an existing bank loan, with a worked second mortgage example on Willoughby values.
Woollahra
How self-employed business owners raise capital against Woollahra terrace security when a bank cannot assess the income in time. Worked example inside.