AAA Mortgages has advised borrowers on complex lending since 1988, and private funding is where that experience matters most. When a settlement deadline, a construction timeline or a bank's credit policy puts the deal at risk, private lenders can move in days rather than months. The market is opaque, the pricing varies widely and the wrong facility costs real money, which is why we treat private funding as advisory work first. The right funder, the right term, and a clear exit.
When borrowers come to us for private funding
Private funding suits a specific set of situations, and suits them well. It is short term by design, priced for speed and flexibility, and works best when the way out is as clear as the way in.
01.
DEADLINE PRESSURE
You have a settlement deadline your bank cannot meet, and the deal is worth protecting.
02.
BRIDGING FINANCE
You are bridging between a purchase and a sale, or between project stages.
03.
HOLDING FUNDING
You hold residual stock or englobo land and need funding while it sells or gains council approval.
04.
EQUITY RELEASE
You have equity in property that a bank cannot release quickly, and a business use or debt consolidator for it.
05.
SHORT TERM
You seek 3-36 months.
06.
CAPITALISED INTEREST
Interest can be paid up front meaning your cash flow is unaffected.
Speed is the product, judgement is the service
01.
The right funder for the deal
Private lenders specialise. Some lend only in one state, some only against land or residual stock. AAA holds relationships across private funders nationally, so the deal goes to the lender built for it rather than the loudest one.
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02.
Moving at the deal's pace
Fewer parties sit between a private lender and a decision than in bank credit. With the deal presented properly, indicative terms can arrive, and settlement timelines are measured in weeks. When timing is the whole point, that difference carries the transaction.
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03.
The exit comes first
Every private facility we arrange starts with the same question: how does this loan get repaid. Sale, refinance to a bank, project completion or receivable due. If the exit does not hold up, we will say so before you pay for a facility that becomes a trap.​
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04.
Second mortgages and caveat lending
Where equity sits behind an existing first mortgage, a second mortgage or caveat loan can release it without disturbing the facility in place. These are specialised instruments with their own pricing and terms, arranged for many borrowers. We structure them with the same exit discipline.
What private funding actually involves
Private funding is lending from non-bank sources, funds, family offices and private credit providers, secured against property and assessed on the asset and the exit rather than on the borrower's salary or the policies of a bank credit team.​
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How it differs from bank lending:
Decisions rest with the people whose money it is, which is why they come quickly. Terms are shorter, typically up to twelve months, pricing is higher than bank debt, and the loan is judged on security value and exit strength rather than serviceability alone.
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What it costs:
Private funding is priced for speed and risk, and the honest comparison is not against a bank rate but against the cost of losing the deal. Pricing varies widely between funders, which is exactly where lender selection earns back its fee.
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What we will ask you:
Six questions shape every private funding conversation. The loan amount. The existing first mortgage, if there is one, and who holds it. The property's indicative value. The term you need. The purpose of the funds. And the exit, meaning exactly how the loan is repaid. Arrive with answers to these and indicative terms come back fast.
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Where advice earns its keep:
The private market has no comparison sites and no published rate cards. Knowing which funder suits which asset, in which state, at what gearing, is relationship knowledge built over decades, and it is the difference between fair terms and expensive ones.
How it's structured
Recent scenarios, anonymised but real: what the client came with, what made it complex, and how it was structured. This is what advisory-led lending looks like in practice.
ALT DOC · CLAREMONT, WA
$1M
Non-standard income with urgent settlement timeframe that didn't fit bank or non-bank policy.
Placed with a private lender, settled fast, refinanced to mainstream terms after 12 months.
MULTI-ENTITY PURCHASE & REFINANCE · WILLOUGHBY, NSW
$3.9M
Business owner with multiple securities and entities, wanting best available terms on the market. Refinanced from a private loan.
Secured best rates on the market; also obtained a free valuation and loan servicing ratios.
PRIVATE LOAN · NEWCASTLE, NSW
$2M
Client faced a hard settlement deadline (existing loan default risk) and financials weren't finalised in time for bank or non-bank assessment.
Private lender secured on short notice, settlement met.