Let's Make Things Happen. Use Australia's Best Known Non-Bank Funder.

Non Bank Product Offering

  • Bridging Loans short term financing for up to 12 months to a maximum 80% LVR

  • Development/Construction Finance up to 90% of end value.

  • Land Banking up to 75% LVR

  • Residual Stock for Developers up to 70% LVR

  • Rural Properties including Vineyards up to 65% LVR


Caveat Loans/ Second Mortgages- we use our own balance sheet.

A 2nd Mortgage or Caveat loan is a mortgage over an asset or a property with a lower position or rank compared to the 1st mortgage ones. It is for the equity you may not be able to release using your bank or non-bank lender. Did You Know you don't need to advise the first mortgagee following new laws introduced in 2021.

 It is usually lower in value than the first mortgage loan, with a minimum of 3 months.

(Not pre-paid 6 or 12 months as other providers enforce.)

  • Loan Amount: Up to $2 .5 million

  • LVR: Up tp 75%

  • Valuation: Desktop or existing as long as less than 90 days old

  • Locations: Anywhere in Australia (except mining towns)

  • Term: Up to 12 months

  • Minimum repayment/ term: 3 months

  • No Exit Fees

  • Legal fees - $2200 unless complex borrowing structure

* Company Borrower Only. (Easy to Set up)

Who Can Use Private Funds?

Any individual or registered company. We have over 25 private lenders on our panel.


Each has different specialities:

  • Location (most are state-based - we have funders in each State and Territory of Australia)

  • Property Type (Residential, Land, Construction, Residual Stock, Industrial, Commercial)

  • Financials (Low Doc or Full Doc)

  • LVR (Loan amount as a percentage of the value of the land)

What Are the Turn-Around Times?

There are fewer people involved in the Private Funding process than when you go through Bank Funders.

'AAA' have excellent relationships with Australia's BEST Private Funders. This means we can often obtain a letter of offer within the working day!

From application to settlement, the average turnaround, including valuation, is approximately 3 weeks.We can arrange short term finance in as little as 24 hours.

Private Funding Questions to Consider

1)  What is the loan amount?

2) If a second mortgage is required, what is the existing loan amount for the first mortgage and who is the lender?

3) Do you have an indicative value on your property? (i.e. valuation/opinion/appraisal)

4) How long is the loan for? ​(Private Loans typically run for 12 months)

6) What is the purpose of the loan? What do you need the funds for?

7) What is the exit strategy? (How are you going to pay out the loan?)