02 9389 1077
Private Lenders Brisbane for Business and Property Finance
Property-backed private lending for eligible business funding, commercial transactions and short-term finance requirements.
Brampton Finance is a private lender and finance broker providing private finance solutions for Brisbane business owners, property borrowers and developers.
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We provide property-backed private lending and can also arrange funding through specialist lending partners where appropriate. This allows your enquiry to be assessed against both our lending options and potential third-party facilities.
Whether you need business capital, a private mortgage, bridging finance or a replacement loan for an expiring facility, we assess the transaction around your property security, existing debt, funding deadline and repayment strategy.
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Discuss Your Brisbane Private Loan
Call 02 9389 1077
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Brisbane Private Lending at a Glance
Provider: Brampton Finance, private lender and finance broker.
Funding options: Direct private lending and finance arranged through specialist lending partners, depending on the transaction.
Potential facilities: First mortgages, second mortgages, bridging loans, secured business finance, private loan refinancing and development funding.
Security: Acceptable property, subject to assessment.
Purpose: Eligible business and commercial funding requirements.
Service area: Greater Brisbane and surrounding South East Queensland locations.
Assessment: Property value, existing obligations, loan purpose, requested term and a supported repayment plan.
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Private Finance When Your Transaction Needs a Different Approach
A business opportunity, property settlement or loan maturity does not always fit a traditional bank’s criteria or timetable.
Private lending may provide another funding pathway where the transaction has acceptable security and a credible repayment strategy.
Brampton Finance considers enquiries involving:
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Property equity released for business purposes.
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Temporary working capital requirements.
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Stock, materials and equipment expenditure.
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Eligible commercial property acquisitions.
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Short-term bridging requirements.
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Refinancing an existing private mortgage.
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Development acquisition, construction or completion funding.
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Private finance must still make sense for the borrower. We assess the amount required, borrowing cost, security and intended exit together.
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Explore our broader private lending services across Australia.
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Direct Private Lending and Access to Funding Partners
Brampton Finance operates as both a private lender and a finance broker.
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Depending on the application, funding may be provided directly or arranged through a specialist lending partner. Before you proceed, the proposed facility and documentation identify:
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The entity providing the credit.
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Brampton’s role in the transaction.
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The security and guarantees required.
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The applicable interest and fees.
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Any brokerage or other remuneration requiring disclosure.
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The conditions for approval and settlement.
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Your repayment obligations.
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A potential option is subject to assessment. Direct lending does not mean automatic approval, and access to lending partners does not guarantee an available facility.
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Private Loan Options for Brisbane Borrowers
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Private First Mortgage Loans Brisbane
A private first mortgage may provide funding secured by a first-ranking mortgage over acceptable property.
It may be considered where the property is unencumbered or an existing mortgage will be refinanced. Potential uses include eligible business funding, commercial acquisitions and replacing a maturing facility.
If another lender must be paid out, the payout and transaction costs affect the remaining funds available.'
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Explore private first mortgage loans.
Private Second Mortgage Loans Brisbane
A private second mortgage may allow additional borrowing against property while retaining an existing first mortgage.
Assessment includes the first mortgage balance and conditions, combined secured debt, accepted property value and any required consents or priority arrangements.
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The overall cost should be compared with refinancing the entire debt. Keeping an existing loan is useful only where the combined structure supports the transaction.
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Explore private second mortgage loans.
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Private Bridging Loans Brisbane
Private bridging finance may cover a temporary funding gap before an identifiable sale, refinance or other repayment event.
For an eligible property transaction, assessment considers the settlement deadline, security, borrower contribution and realistic exit timing.
The term needs to allow time for repayment, including potential delays. A contract deadline alone does not establish eligibility.
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Explore private bridging finance.
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Property-Secured Business Loans Brisbane
Property-backed business funding may support working capital, stock purchases, equipment expenditure, expansion or another eligible commercial requirement.
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Explain what the funds will achieve and what will generate repayment.
A short-term timing gap is different from a continuing operating loss. Available property equity does not remove the need to assess whether the additional debt is workable.
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Explore private business loans.
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Private Mortgage Refinancing Brisbane
An existing private loan may need review when maturity is approaching or the original repayment strategy has changed.
The replacement facility must account for the current payout, accrued interest, discharge expenses and incoming loan costs.
It also needs its own credible exit. Applying for refinancing does not extend the existing loan or suspend the outgoing lender’s rights.
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Explore private loan refinancing.
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Private Development Finance Brisbane
Development funding may be considered for eligible site acquisitions, construction, completion requirements and development refinancing.
Assessment can involve the planning position, approvals, feasibility, builder, developer contribution, remaining costs and proposed sales or refinance.
Funding a site purchase does not automatically include approval to finance construction.
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Explore private development finance.
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What Property Can Support a Brisbane Private Loan?
Depending on the facility and relevant criteria, potential security may include:
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Residential houses and apartments.
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Commercial offices and retail premises.
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Industrial buildings and warehouses.
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Mixed-use properties.
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Development sites.
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Vacant land, where acceptable.
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The property’s location, ownership, condition, title, marketability and accepted value affect the assessment.
The property used as security and the purpose of the loan are separate questions. A residential property may support eligible business borrowing, but the actual use of funds must be disclosed accurately.
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Any property provided as security may be at risk if repayment obligations are not met.
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Brisbane Property Considerations
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Flood Information and Insurance
For property within Brisbane City Council’s area, the Council’s Flood Awareness Map and FloodWise Property Reports provide relevant property-specific information.
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For properties in other council areas, use the relevant council resources.
Disclose known flood history, damage, repairs and insurance information where relevant. These matters may require further valuation, insurance or professional assessment.
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Apartments and Body Corporate Information
For an apartment or community title property, relevant information may include body corporate levies, insurance, known defects, special levies and disputes.
Provide accurate documents and disclose material issues early.
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Commercial and Industrial Property
For commercial security, assessment may include the property’s permitted use, occupancy, leases, income, expenses and condition.
An owner-occupied business premises and a leased investment property can present different repayment considerations.
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Development Sites
Provide the current approvals, plans, outstanding conditions, budget and programme.
For a project already underway, include progress, variations, remaining expenditure and builder arrangements. Current site value and projected completed value are different assessment measures.
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How Much Could You Borrow?
Available funding depends on the accepted property value, applicable lending limits, existing secured debt and facility costs.
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Illustrative Second Mortgage Calculation
Assume:
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Accepted property value: $1,250,000.
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Existing first mortgage: $550,000.
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Proposed second mortgage: $200,000.
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The combined debt would be $750,000, equivalent to 60% combined LVR on these assumptions.
If an assumed $18,000 in fees and retained interest were deducted from the second mortgage advance, the usable proceeds would be $182,000.
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This is a hypothetical illustration, not a Brampton lending limit, approval, quote or completed transaction.
Tell us the amount you need after costs. A facility’s gross amount may differ from the cash available for your business.
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Private Lending Rates and Fees in Brisbane
Private loan pricing depends on the property, security priority, debt level, term, transaction complexity and repayment risk.
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Before proceeding, review:
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Interest and its calculation method.
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Establishment or application fees.
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Valuation expenses.
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Legal and security documentation costs.
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Any brokerage charges.
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Minimum interest requirements.
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Discharge and early repayment costs.
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Extension and default provisions.
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Compare the total cost over the period you expect to borrow.
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Interest Payment Options
Some facilities require regular interest payments. Others may retain interest from the advance or capitalise it into the debt.
Retained interest can reduce settlement proceeds. Capitalised interest increases the repayment balance and may itself attract interest, depending on the contract.
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Confirm both the interim payments and expected final payout.
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What Determines Private Loan Eligibility?
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Acceptable Security
The property must meet the relevant criteria for the proposed facility.
An owner’s estimate, purchase price and accepted valuation may differ.
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Existing Obligations
Current mortgages, facility limits, arrears and other interests affecting the property must be considered.
For a second mortgage, the existing lender’s requirements also matter.
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Genuine Funding Purpose
Explain exactly what the funds will pay for. Relevant contracts, invoices, budgets or existing loan payouts can support the application.
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Borrower Circumstances
Identification, entity documents, credit history, business information and current commitments may be required.
Private lending involves assessment even where the process differs from a conventional bank application.
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Repayment Evidence
The proposed exit may involve a sale, achievable refinance, business receipts or another identifiable source.
Consider the net amount available after expenses and existing obligations, together with realistic timing.
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How Quickly Can Private Finance Settle?
Timing depends on the individual transaction.
Valuation, credit assessment, existing lender discharge, required consents, legal documentation and outstanding conditions can all affect settlement.
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Provide the actual deadline at the start. An indicative response or proposed term sheet is different from unconditional approval and settled funds.
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For a purchase, supply the contract and settlement date. For a maturing loan, supply the payout, maturity date and any notices received.
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Discuss a time-sensitive Brisbane funding requirement.
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Private Lending Across Brisbane and Surrounding Areas
Brampton Finance accepts enquiries involving property and business requirements across:
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Brisbane CBD and inner suburbs.
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North Brisbane.
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South Brisbane.
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Eastern suburbs and bayside.
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Western Brisbane.
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Logan.
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Ipswich.
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Moreton Bay.
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Redlands.
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These are service enquiry areas. Funding remains subject to the specific property, borrower and transaction.
Provide the exact security address so the relevant location and property requirements can be assessed.
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Why Choose Brampton Finance?
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Private Lending and Finance Broking
Your enquiry can be considered against direct lending options and potential specialist partner facilities, depending on the transaction.
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Established Finance Experience
Founded in 2006, Brampton Finance works across business lending, commercial finance, home loans and specialist funding requirements.
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We consider the proposed loan alongside existing debt and the wider transaction.
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Focus on Usable Funds and Repayment
A facility needs to provide sufficient net funding and have obligations you understand.
We help assess the amount, term, costs, security and intended exit together.
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Support Through the Process
Brampton assists with reviewing the enquiry, preparing the application and coordinating the process with relevant parties, subject to assessment and completion of conditions.
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What to Prepare for Your Enquiry
Provide:
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Funding amount: The usable money required after costs.
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Purpose: What the funds will be used for.
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Security: Property address, type, ownership and estimated value.
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Existing debt: Mortgage balances and relevant facility limits.
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Timing: Required settlement date and proposed term.
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Exit: How and when the facility will be repaid.
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Documents: Relevant contracts, statements, budgets or approvals.
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Further information may be requested after the initial review.
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Private Lenders Brisbane FAQs
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Is Brampton Finance a private lender?
Yes. Brampton Finance operates as a private lender and finance broker. Depending on the transaction, funding may be provided directly or arranged through a specialist lending partner. The proposed documentation identifies the credit provider and Brampton’s role.
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Can I obtain a private loan after a bank decline?
An enquiry may be considered. The reason for the decline, existing obligations, security and repayment plan remain relevant. Approval is not guaranteed.
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Can I keep my existing mortgage?
Potentially, through an acceptable second mortgage structure. The combined debt, existing loan terms and any required security arrangements must be assessed.
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Can I use my Brisbane home as security for business funding?
Potentially, subject to assessment. The home may be at risk if the loan is not repaid. Disclose the actual use of funds so the appropriate requirements can be assessed.
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Can self-employed borrowers apply?
Yes. The documentation required depends on the borrower, business, facility and relevant lending criteria.
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Do private lenders require financial information?
Requirements vary. Alternative documentation may be acceptable for some facilities, but private lending does not mean no assessment or automatic approval.
Can I refinance an expiring private mortgage?
Potentially. Provide the current payout, maturity date, security details and repayment strategy for the replacement loan. Begin reviewing the position before expiry where possible.
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Can commercial property secure a private loan?
Acceptable commercial property may be considered, subject to the facility and assessment. Provide the address, ownership, occupancy, lease information where relevant and existing debt.
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Does flood exposure prevent approval?
Not automatically, but it may affect valuation, insurance, security assessment and available options. Disclose known issues and provide relevant information.
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Can I repay early?
The agreement determines early repayment obligations. Minimum interest, discharge charges or notice requirements may apply. Ask for a payout illustration using your intended repayment date.
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What happens if my exit is delayed?
An extension or refinance may require reassessment, involve additional costs or be unavailable. Consider a delayed sale or refinance before accepting the facility.
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Do you accept enquiries outside Brisbane?
Yes. Brampton accepts enquiries across Australia, including other Queensland locations. Availability depends on the property, borrower and transaction.
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Discuss Your Brisbane Private Loan
Tell us what you need to fund, the property available as security, your current debt and how the loan will be repaid.
Brampton Finance can review your requirements and explain the next steps for direct private lending or finance through a specialist lending partner.
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Submit Your Brisbane Private Lending Enquiry
Phone: 02 9389 1077
Email: info@bramptonfinance.com.au
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Brampton Finance Pty Limited | ABN 54 121 561 564 | Australian Credit Licence 385602.
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General information only. Finance is subject to assessment, lending criteria, acceptable security and documentation. The proposed facility documents identify the lender and applicable terms. Rates, fees, terms and availability vary. A finance enquiry does not suspend existing contractual obligations. Property provided as security may be at risk if repayment obligations are not met. Obtain appropriate independent advice before proceeding.