Sydney Opera House at dusk, a first mortgage lender for Australian property
First mortgages

First mortgage loans when the bank can’t move.

Borrow $500,000 to $25 million against property you own or are buying. Indicative terms within 24 hours, settlement on your date, and a straight answer either way.

Curved balconies of a modern apartment building against a blue sky
Funded on the property. Settled in days.
75%
Max LVR
$500K – $25M
Loan sizes
2–3 days
Fastest settlement
24 hours
To indicative terms
Lending solutions

First mortgages, explained

A first mortgage loan is secured against your property in the same position a bank would take, without the bank’s timeframe or credit template. If the property stacks up, we can fund it.

Use it to complete a purchase, meet an urgent settlement, refinance a lender who will not extend, or fund your business. We size the loan on the property and structure it around how you will repay it, with interest paid monthly or added to the loan so nothing is due until the end.

We lend Australia-wide, with most of our loans secured in metropolitan New South Wales, Victoria and Queensland.

$600M+
Capital deployed
240+
Loans funded
2–3 days
Fastest settlement
24 hours
To indicative terms
Borrowing calculator

See what you could borrow

Enter the property value for an instant estimate at 75% LVR. Leave your details and one of our lenders will come back within 24 hours with indicative terms. No credit check, no obligation.

  1. 01

    Enter the numbers

    The property value is enough for an estimate. Add the address if you have it.

  2. 02

    See your borrowing power

    We show what you could borrow at up to 75% LVR against the property.

  3. 03

    Apply in minutes

    Your figures carry straight into the application. Conditional terms within 24 hours, settlement in days.

We assess the property, the purpose and how the loan will be repaid, rather than applying a bank’s lending template. Business and investment purposes only.

Prefer to talk it through? Call 1300 982 458.

Borrowing calculator

How much could you borrow?

You could borrow up to
$0
75% of the property value

Your figures carry over to the application. Indicative only and subject to valuation, due diligence and formal approval.

Who it suits

When a first mortgage fits

A purchase with a hard deadline

Settle on the contract date while longer-term finance is arranged or a sale completes.

A lender who will not extend

Replace an expiring bank or private facility without the delay of a full bank application.

A business need against property

Working capital, tax debt or a restructure, secured by property you own outright or with low existing debt.

How it works

From Scenario To Settlement

  1. Submit your scenario

    Tell us about the property, the amount you need, the purpose and how the loan will be repaid. Your broker can submit on your behalf.

  2. Letter of offer

    If the scenario fits, we issue a letter of offer within 24 hours with every rate and fee set out upfront.

  3. Due diligence

    We instruct an independent valuation and complete our credit and title checks.

  4. Settlement

    Our solicitors prepare the documents and we settle on your timeframe, then stay your point of contact through to repayment.

Recently funded

Deals We Have Settled

Aerial view of a Sydney suburb at sunset, Rosebery NSW1st mortgageSettled
$3.2M

Rosebery, NSW

Bank approval withdrawn ten days before settlement over a valuation shortfall, with a notice to complete served and a $320,000 deposit at risk. We settled the purchase in six days. Repaid when the bank finance came through four months later.

LVR
65%
Term
9 months
Settled in
6 days
Light rail on a Parramatta street at dusk, NSW1st mortgageSettled
$6.5M

Parramatta, NSW

The owner of a mixed-use building had a bank facility expire while a lease dispute held up the refinance, and the bank would not extend. We paid out the facility, giving the owner time to resolve the lease and refinance to a new lender at month 14.

LVR
60%
Term
18 months
Settled in
14 days
More deals we have settled
FAQ

Common
Questions

Can’t find what you are looking for? Give us a call on 1300 982 458.

Have a scenario to discuss?

Send us the details and we will come back to you within 24 hours.

Contact us