Insights & Analysis.
Market commentary, educational resources, and deep dives into the world of private credit and property finance.
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 — the other half is time. A worked $2,000,000 comparison over 12 months and 30 years.
5 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.
2 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.
3 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.
3 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.
3 min read
What Is a Second Mortgage, and How Much Can You Borrow Behind Your Bank?
A second mortgage lets you borrow against your equity without refinancing your first loan. Most private lenders go to about 70 to 75% combined LVR. Worked example inside.
3 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.
3 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.
7 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.
5 min read