Private lending
for the deals that can't wait.
First mortgage lending from A$500,000 to A$5,000,000, secured by Australian property. Send us a complete enquiry and receive written indicative terms on Day 1, with loan documents typically issued within 5–7 days.
Business and investment purposes only. Residential security requires a company or corporate trustee borrower.
Loan Amount
$500K–$5M
Maximum LVR
Up to 75%*
Indicative Terms
Day 1
Loan Documents
Day 5–7
*Established metropolitan residential only, excluding high density. LVR varies by security type and location. See the Lending Matrix.
First mortgages only, Australia-wide. Terms and LVRs vary by security type and location. Valuations are instructed through our panel.
WHY BROKERS WORK WITH PRIVY
Every line below is something you can repeat to a client without checking first.
01
Indicative terms on Day 1
Send us a complete enquiry and we'll screen it against our Lending Matrix and issue written indicative terms, subject to credit approval, valuation and documentation.
02
Clear criteria, upfront
Our Lending Matrix sets out exactly what we fund and what we don't, so you know whether a deal fits before you do any work.
03
First mortgage, Australia-wide
Residential, commercial, industrial, retail and land security in all states, subject to location category. First-registered mortgage only.
04
Direct line to the lending team
You deal with the people who assess the file. No BDM relay, no offshore processing queue.
05
Panel valuations, without the wait
We instruct the valuation from our panel and book the inspection. If you already hold a valuation less than 90 days old, send it. We'll ask the valuer to reassign it to us, which can save a week.
06
Urgent settlements, by exception
In limited cases, and only where strict conditions are met, we can settle before the written valuation report is received. Not available on vacant land or development sites. Ask us early if timing is tight.
LENDING SOLUTIONS
First mortgage loans across Australia
Flexible lending solutions designed to meet a wide range of business and property finance needs. Loan amounts from A$500,000 to A$5,000,000, with terms of 3 to 24 months and LVRs varying by security type and location.
Residential
Interest from
10% p.a.
Max LVR
75%
Property type
Established residential
Loan amount
$500,000 – $5M
Security
First mortgage
Term
3 – 24 months
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Commercial
Interest from
11% p.a.
Max LVR
70%
Property type
Commercial, industrial, retail
Loan amount
$500,000 – $5M
Security
First mortgage
Term
3 – 24 months
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Land
Interest from
11% p.a.
Max LVR
65%
Property type
Registered lots, DA-approved land
Loan amount
$500,000 – $5M
Security
First mortgage
Term
3 – 24 months
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Maximum LVRs shown apply to metropolitan security. Regional security attracts lower LVRs and a 1.00% loading. Full criteria are in the Lending Matrix.
FROM APPLICATION TO SETTLEMENT
Five steps, enquiry to settlement
Timing runs from a complete submission. Missing documents are the single biggest cause of delay.
01
DAY 1
Enquiry and indicative terms
Email the nine items below to info@privycapital.com.au. We screen against our Lending Matrix and issue written indicative terms.
02
Day 2
Valuation instructed
On acceptance of the indicative offer, we instruct the valuation from our panel and book the inspection.
03
Day 3–5
Assessment and credit approval
Searches, valuation review and credit submission. Approval is by committee, never by one person.
04
Day 5–7
Documents issued
Loan and security documents from our panel solicitors, reflecting the approval exactly.
05
Settlement
Conditions satisfied
We settle once conditions precedent are met. If settlement is urgent, ask us early.
DEALS
Recently funded
Location: Neutral Bay NSW
Loan Amount: $6,110,000
Term: 6 months
LVR: 65%
Security: 2nd Mortgage
Overview: Three properties located in Neutral Bay and North Avoca, refinanced from Macquarie Bank.
Location: Neutral Bay NSW
Loan Amount: $6,110,000
Term: 6 months
LVR: 65%
Security: 2nd Mortgage
Overview: Three properties located in Neutral Bay and North Avoca, refinanced from Macquarie Bank.
Location: Neutral Bay NSW
Loan Amount: $6,110,000
Term: 6 months
LVR: 65%
Security: 2nd Mortgage
Overview: Three properties located in Neutral Bay and North Avoca, refinanced from Macquarie Bank.
Ready to Discuss a Deal?
Information we need from you
To help us assess your opportunity quickly, please provide the following. With a complete submission, we can issue written indicative terms on Day 1.
01
Security address and postcode
02
Estimated value, and any valuation held
03
Requested loan amount and term
04
Purpose and itemised use of funds
05
Whether the security is tenanted
06
Estimated settlement date
07
Exit strategy, with evidence
08
Borrower and guarantor structure, with ACNs
09
Asset and liability position
GOT ALL NINE?
Send it through
Straight to the lending team, not a call centre. Email your scenario to info@privycapital.com.au and a complete submission comes back with written indicative terms on Day 1.
Let's get the right deal
done for your client
The short answers are below. Full criteria, rates and fees are in the Lending Matrix. Get it here.
Companies and corporate trustees borrowing for a business or investment purpose. Individuals can also borrow where no security is residential. Residential security always requires a company or corporate trustee borrower.
No credit score is required, and minor credit impairment may be considered. We look at the security and the exit strategy first.
A first-registered mortgage over Australian residential, commercial, industrial, retail or land security, in all states. Maximum LVR depends on the security type and its location category.
Business or investment purposes, including purchase, refinance, equity release, bridging, working capital and acquisition. We do not write consumer-purpose loans.
Indicative rates start from 10.00% p.a., set on the LVR band and security type. The establishment fee starts from 2.20% of the approved limit, with no separate management or line fee. The Lending Matrix sets out every fee.
Broker resources
The Privy Capital Lending Matrix
Lending criteria, maximum LVRs, rates, fees and how a deal runs from enquiry to settlement.
Have a Deal to Discuss?
Get our Lending Matrix to check the full criteria, or email us at info@privycapital.com.au to talk through your scenario.
This page is general information only and is not an offer of finance. All lending is subject to credit approval, valuation and documentation, and lending criteria may be varied or withdrawn without notice. Privy Capital lends for business and investment purposes only and does not hold an Australian credit licence.