Private Lenders Melbourne for Business and Property Finance

Private lending with access to our own funding, supported by a Melbourne office and additional specialist funding partners.

Brampton Finance is a private lender providing property-backed finance for eligible Melbourne business owners, property borrowers and developers. With access to our own funding, we assess suitable transactions for direct private lending.

We also operate as a finance broker. Where another funding source or structure is appropriate, we can arrange finance through specialist lending partners.

​

Our private finance services include first mortgages, second mortgages, secured business loans, bridging finance, private mortgage refinancing and eligible development funding.

​

Whether you need business capital, additional funds while retaining an existing mortgage or finance to replace a maturing facility, we consider the security, existing debt, borrowing costs and repayment strategy together.

​

​

Discuss Your Melbourne Private Loan

Call 02 9389 1077

​

A Private Lender With Access to Our Own Funding

Brampton Finance’s private lending service includes a direct funding pathway.

Eligible transactions can be assessed against our own funding access. Our broking capability provides additional options where a specialist partner facility is appropriate.

​

This means your enquiry can be considered in the context of the actual transaction: the amount needed, property available, existing obligations, required term and proposed repayment source.

​

Before proceeding, the proposal and facility documents identify:

• The legal entity providing the credit.

• Brampton’s role as lender or broker.

• The gross facility amount and usable funds.

• Interest, fees and any applicable brokerage.

• Required security and guarantees.

• Conditions that must be satisfied before settlement.

• Repayment obligations, maturity and default provisions.

​

Access to funding does not establish approval. Every proposed facility remains subject to assessment, acceptable security, documentation and applicable lending criteria.

​

Explore our private lending services across Australia.

​

Private Lending Melbourne at a Glance

Provider: Brampton Finance, private lender and finance broker.

Funding pathways: Access to our own funding, with specialist partner facilities considered where appropriate.

Potential facilities: First mortgages, second mortgages, bridging loans, secured business finance, private loan refinancing and development finance.

Purpose: Eligible business and commercial funding requirements.

Potential security: Acceptable residential, commercial, industrial, mixed-use and development property.

Service area: Greater Melbourne and other Victorian locations, subject to assessment.

Local contact: Our Melbourne office on St Kilda Road.

​

Assessment: Property value, existing secured debt, borrower circumstances, funding purpose, facility costs and repayment evidence.

​

Private Finance Options for Melbourne Borrowers

Private First Mortgage Loans Melbourne

A private first mortgage provides finance secured by a first-ranking mortgage over acceptable property.

It may be considered where a property is unencumbered or an existing mortgage will be paid out at settlement.

Potential purposes include eligible business funding, commercial acquisitions, bridging requirements and replacing an existing private facility.

​

Where another lender must be repaid, its payout and the new facility’s costs affect the money remaining for your transaction.

Explore private first mortgage loans.

​

Private Second Mortgage Loans Melbourne

A private second mortgage may provide additional property-backed funding while your existing first mortgage remains in place.

For a business owner, this may provide a way to assess additional borrowing without refinancing the entire first mortgage.

Assessment includes:

• The existing mortgage balance and relevant facility limits.

• Conditions under the first loan.

• The accepted property value.

• Combined secured debt.

• Any required consents or priority arrangements.

• The repayment strategy for the second mortgage.

​

Keeping an existing mortgage does not automatically make the combined structure cheaper. Compare the total cost and obligations with a full refinance.

​

Explore private second mortgage loans.

​

Private Business Loans Melbourne

Property-backed private business loans may support working capital, stock purchases, equipment expenditure, business expansion or an acquisition.

The proposed facility needs to match a defined requirement and a supported repayment source.

For example, funding inventory before an identifiable sales period involves different considerations from borrowing to cover continuing operating losses.

Explain what the funds will achieve, when the business expects to receive money and which other commitments must also be met.

​

Explore private business loans.

​

Private Bridging Finance Melbourne

Private bridging finance may cover a temporary funding gap before a supported property sale, refinance or other identifiable repayment event.

An eligible commercial transaction may involve a settlement deadline that falls before another source of funds becomes available.

The assessment considers the security, borrower contribution, usable funds required and realistic timing of repayment.

A contractual deadline alone does not establish eligibility. Allow for valuation, documentation and other conditions before funds can be advanced.

​

Explore bridging finance.

​

Private Loan Refinancing Melbourne

If an existing private mortgage is approaching maturity, begin reviewing the replacement funding requirement early.

Brampton Finance can assess the enquiry against our own funding access and other appropriate lending pathways.

​

The required amount may include:

• The outgoing principal balance.

• Accrued interest.

• Discharge and legal expenses.

• New facility costs.

• Any additional approved business funding.

A replacement loan also needs its own credible repayment strategy.

​

Applying for a refinance does not extend your current loan or suspend the outgoing lender’s rights.

​

Explore private loan refinancing.

​

Private Development Finance Melbourne

Development funding may be considered for eligible site acquisitions, construction stages, completion requirements or project refinancing.

Assessment can include project approvals, feasibility, developer equity, builder arrangements, remaining expenditure, contingency and the proposed exit.

The facility needs to support the relevant project stage. Acquisition funding does not automatically include approval to fund construction.

For a partly completed project, accurate progress information and a current cost-to-complete assessment are particularly relevant.

​

Explore private development finance.

​

Melbourne Property Security: What Matters?

The assessment should reflect the actual property and transaction.

A suburb name, purchase price or owner’s estimate does not establish the value accepted for lending.

​

Houses, Apartments and Townhouses

Potential residential security may include houses, apartments and townhouses, subject to the particular property and applicable criteria.

Provide ownership, title, occupancy, condition and existing mortgage information.

If the property is being used to secure business funding, disclose the actual use of the loan proceeds. Residential security and residential borrowing purpose are separate questions.

Property provided as security may be at risk if the loan is not repaid.

​

Owners Corporation Properties

For an apartment or other property affected by an owners corporation, relevant information may include the plan of subdivision, owners corporation documents, fees and known building issues.

Consumer Affairs Victoria explains that an owners corporation is automatically created when a plan of subdivision containing common property is registered.

Disclose known defects, disputes, proposed works and additional financial obligations that could affect the property or the borrower’s cash flow.

The building’s appearance does not establish the title boundaries or ownership arrangements.

​

Commercial and Mixed-Use Properties

For an office, retail premises or mixed-use building, relevant information may include:

• Current and permitted use.

• Occupancy and lease agreements.

• Rental income and property expenses.

• Building condition and access.

• Title and ownership.

• Any proposed change of use.

​

Distinguish the property’s current position from improvements or income expected after funding.

A proposed future tenancy should not be presented as an existing lease.

​

Industrial Properties and Warehouses

For a warehouse, factory or workshop, provide the address, use, ownership, occupancy and existing debt.

Access arrangements, building condition and known environmental or other material issues may also require review.

An owner-occupied business premises and a leased industrial investment can involve different repayment considerations.

​

Development Sites and Victorian Planning Information

For a Melbourne development site, provide the planning position, available permits, approved plans and outstanding conditions.

VicPlan allows users to generate planning property reports showing zones and overlays. This can help identify matters requiring further investigation.

​

A planning report does not establish that a particular development is approved or that funding is available. Relevant approvals, professional advice and project assessment remain necessary.

​

For lending assessment, distinguish between the current site value and the projected completed value. Confirm which basis is being used for the proposed facility.

​

Private Lending Across Greater Melbourne

Brampton Finance accepts enquiries involving property and business requirements across Greater Melbourne, including:

• Central and inner Melbourne: Melbourne CBD, Southbank, St Kilda Road, Richmond and surrounding areas.

• Bayside and the south-east: St Kilda, Brighton, Moorabbin, Dandenong and surrounding locations.

• Eastern Melbourne: Box Hill, Ringwood and surrounding areas.

• Northern Melbourne: Brunswick, Preston, Epping and surrounding locations.

• Western Melbourne: Footscray, Sunshine, Werribee and surrounding areas.

​

These are service enquiry areas. Our Melbourne office is on St Kilda Road; the listed suburbs are not separate Brampton offices.

For property elsewhere in Victoria, provide the exact address at the beginning. Location, property type and the resale market may affect the available structure.

​

How Much Could You Borrow Against Melbourne Property?

Available funding depends on:

• The accepted property value.

• Applicable lending limits.

• Existing secured obligations and relevant facility limits.

• The requested amount and purpose.

• Facility costs and interest arrangements.

• The repayment strategy.

​

For a second mortgage, the assessment considers the combined debt position.

Combined LVR = total assessed secured debt ÷ accepted property value × 100.

​

Illustrative Second Mortgage Calculation

Assume:

• Accepted property value: $1,200,000.

• Existing first mortgage: $500,000.

• Proposed second mortgage facility: $220,000.

​

On these assumptions, combined debt would be $720,000, equivalent to 60% combined LVR.

If an assumed $20,000 in fees and retained interest were deducted from the second mortgage advance, usable proceeds would be $200,000.

​

This is a hypothetical illustration. It is not a Brampton transaction, lending limit, approval or quote. Actual assessment may also consider other obligations and relevant facility limits.

​

State the amount you need after costs. Property equity, the approved facility amount and usable loan proceeds are different figures.

​

Private Lending Rates and Fees in Melbourne

There is no single interest rate for every Melbourne private loan.

Pricing depends on the property, mortgage priority, debt level, requested term, transaction complexity and repayment risk.

​

Whether the proposal uses our funding access or a specialist partner facility, request a written breakdown covering:

• Interest and how it is calculated.

• Establishment or application fees.

• Valuation expenses.

• Legal and security documentation costs.

• Any brokerage charges.

• Minimum interest requirements.

• Early repayment and discharge costs.

• Extension and default provisions.

​

Compare proposals using the same expected borrowing period, repayment date and usable funding requirement.

Where interest is quoted monthly, request an explanation of the annual equivalent and a dollar-cost illustration. Fees, compounding and changes in the loan balance can affect the total cost.

​

Understand the Interest Arrangement

Regular payments: You need sufficient cash flow to meet interest and any other payments during the term.

Retained interest: An amount deducted from the advance may reduce the funds available for the intended purpose.

Capitalised interest: Interest added to the debt increases the repayment balance and may itself attract interest, depending on the agreement.

​

Review the expected final payout as well as the interim obligations.

​

What Makes a Private Lending Enquiry Workable?

​

A Defined Funding Purpose

Explain exactly what the money will pay for.

Relevant contracts, supplier invoices, budgets or existing loan payouts can support the enquiry.

​

Accurate Property and Debt Information

Provide the security address, ownership, estimated value, mortgage balances and relevant limits.

Disclose other secured interests, arrears or approaching maturity dates early.

​

Borrower and Business Information

Identification, company or trust documents, financial information, credit history and business records may be required.

Private lending can involve different criteria from a conventional bank application, but it still requires assessment.

​

A Supported Repayment Source

Explain how and when the facility will be repaid.

A property sale, future refinance or expected business receipt should be supported by evidence appropriate to the transaction.

The assessment needs to consider the amount remaining after selling expenses, other debts, operating costs and relevant obligations.

​

A Delayed-Exit Scenario

Consider what happens if a sale takes longer, a customer pays late or a future lender offers less funding.

An extension or refinance should not be assumed to be available.

​

How Quickly Can Private Finance Settle in Melbourne?

Settlement timing depends on the requirements of the individual application.

Valuation, title review, existing mortgage discharge, required consents, legal documentation and outstanding conditions can affect timing.

​

Access to our own funding does not remove these steps.

Provide the actual deadline at the outset. An indicative response or term sheet is different from unconditional approval and settled funds.

​

For a Property Purchase

Provide the signed contract, settlement date, borrower contribution and relevant vendor statement information requested by the assessing parties.

​

Your solicitor or conveyancer should advise on contractual obligations and the consequences of delay while finance is assessed.

​

For an Existing Private Loan

Provide the current loan documents, payout, maturity date and any notices received.

Disclose arrears or enforcement action at the beginning. A new application does not pause the existing repayment deadline.

​

For a Development Project

Provide current approvals, feasibility, builder information, project progress and remaining expenditure.

Separate the funding needed to acquire or hold a site from the funding required to complete construction.

​

Discuss a time-sensitive Melbourne funding requirement.

​

Why Choose Brampton Finance?

​

We Are a Private Lender

Brampton Finance has access to its own funding and can assess eligible transactions for direct private lending.

​

Additional Specialist Finance Pathways

We also operate as a finance broker, arranging partner facilities where appropriate.

The proposed documentation identifies the credit provider and our role.

​

A Melbourne Office

Our Melbourne office is at Suite 1, Level 8, 616 St Kilda Road, Melbourne VIC 3004.

Contact the team to discuss your requirements and arrange an appointment.

​

Established Finance Experience

Founded in 2006, Brampton Finance works across home loans, business finance, commercial lending and specialist funding requirements.

​

We consider the proposed private facility alongside existing obligations and the wider transaction.

​

Attention to Usable Funding and Repayment

A loan needs to provide sufficient net funds and have obligations you understand.

We consider the facility amount, deductions, security, term and proposed exit together.

​

What to Include in Your Melbourne Private Loan Enquiry

Provide:

1. Amount required: The usable funding needed after costs.

2. Purpose: What the funds will pay for.

3. Property: Address, type, ownership and estimated value.

4. Existing debt: Mortgage balances and relevant facility limits.

5. Deadline: Required settlement date and proposed term.

6. Repayment: How and when the facility will be cleared.

7. Evidence: Contracts, statements, budgets or approvals relevant to the transaction.

​

Further information may be requested following the initial review.

​

Submit your Melbourne private finance enquiry.

​

Private Lenders Melbourne FAQs

​

Is Brampton Finance a private lender or a broker?

Brampton Finance is a private lender with access to its own funding. We also operate as a finance broker, arranging specialist partner facilities where appropriate. The facility documents identify the legal credit provider and Brampton’s role.

​

Will my loan use Brampton’s own funding?

That depends on the application and proposed structure. Eligible transactions can be assessed against our funding access. A specialist partner facility may be considered where appropriate. The funding pathway is explained before proceeding.

​

Does Brampton Finance have a Melbourne office?

Yes. Our Melbourne office is at Suite 1, Level 8, 616 St Kilda Road, Melbourne VIC 3004. Contact the team before visiting to arrange an appointment.

​

Can I keep my existing first mortgage?

Potentially, through an acceptable second mortgage structure. Assessment includes the first loan’s conditions, combined debt, property value and any required consents or priority arrangements.

​

Can a Melbourne apartment secure a private business loan?

An enquiry may be considered, subject to the apartment, building, ownership, title, accepted valuation and applicable criteria. Known owners corporation obligations and building issues should be disclosed.

​

Can commercial property or a warehouse be used as security?

Potentially. Provide the property address, use, occupancy, lease information where relevant, existing debt and proposed funding purpose.

​

Can self-employed borrowers and company directors apply?

Yes. Provide the business circumstances, purpose of funding, existing obligations and repayment evidence. Documentation requirements depend on the proposed facility.

​

Can I apply after a bank decline or with adverse credit?

An enquiry may be considered. The reason for the decline or credit issue remains relevant, together with current obligations, security and repayment capacity. Approval is not guaranteed.

​

Do private lenders offer no-doc loans in Melbourne?

Some facilities may accept alternative documentation. This does not mean no assessment. Identification, property, purpose and repayment information may still be required.

​

Can Brampton refinance a maturing private mortgage?

An enquiry may be assessed using our funding access or another appropriate lending pathway. Provide the current payout, maturity date, security details and repayment strategy for the replacement loan.

​

Can I use residential property for business funding?

Potentially, subject to assessment. Disclose the actual use of funds. The residential property may be at risk if repayment obligations are not met.

​

Is private lending available outside Melbourne?

Brampton accepts enquiries across Australia, including other Victorian locations. Availability depends on the exact property, borrower and transaction.

​

Can I repay the loan early?

The agreement determines early repayment obligations. Minimum interest, notice requirements or discharge charges may apply. Request a payout illustration using your intended repayment date.

​

What if my repayment plan takes longer than expected?

An extension or refinance may require reassessment, involve additional costs or be unavailable. Consider the consequences of delayed repayment before entering the facility.

​

Discuss Your Melbourne Private Loan

Speak with Brampton Finance about private lending with access to our own funding and additional specialist finance pathways.

Tell us how much you need, what the funding will achieve, the property available as security and your intended repayment plan.

We can review the enquiry and explain the next steps for direct private lending or an appropriate partner facility.

​

Submit Your Melbourne Private Lending Enquiry

Phone: 02 9389 1077
Email: info@bramptonfinance.com.au
Melbourne office: Suite 1, Level 8, 616 St Kilda Road, Melbourne VIC 3004.

​

Explore private lending across Australia.

​

Brampton Finance Pty Limited | ABN 54 121 561 564 | Australian Credit Licence 385602.

​

General information only. Finance is subject to assessment, applicable lending criteria, acceptable security and documentation. The facility documents identify the credit provider and Brampton’s role. 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.