How is private lending different from bank lending?

Banks generally have lower pricing but stricter policies and longer approval times. Private lenders can offer faster approvals and more flexible assessment, with pricing reflecting speed, complexity and risk.

How fast can private finance be approved?

Many private loans can receive indicative approval within days, depending on documentation, valuation and legal requirements.

What types of private loans are available?

Private lending solutions include private property loans, bridging finance, urgent settlement loans, short-term refinance and private development funding.

Do private lenders require an exit strategy?

Yes. A clear exit strategy is fundamental to private lending. Common exits include refinancing to a bank or non-bank lender, selling the property, or completing a development and refinancing.

Private Lending Australia

Q: Is private lending only for distressed borrowers?

No. Many experienced investors and businesses use private lending strategically for speed, certainty and flexibility in time-sensitive transactions.

Flexible, Fast Capital When Banks Can’t Help – Brampton Finance

When speed, flexibility or complexity matters, traditional banks are often the wrong tool.

Brampton Finance provides access to private lending solutions across Australia, connecting borrowers with reputable private lenders, private funds and non-bank financiers for property-backed and asset-backed loans that fall outside standard bank policy.

Private lending is designed for real-world scenarios — tight timelines, complex structures, unusual assets, or borrowers who don’t fit a bank’s rigid criteria. When structured correctly, private finance can be a strategic short-term solution, not a last resort.

What Is Private Lending?

Private lending refers to loans provided by non-bank private lenders, including:

private mortgage funds
wholesale and high-net-worth lenders
specialist private financiers

These lenders focus primarily on:

asset quality
loan-to-value ratio (LVR)
exit strategy

rather than strict income or serviceability metrics used by banks.

Private lending is commonly used for:

property purchases and refinances
bridging finance
development and construction funding
urgent settlements
short-term capital needs

Why Borrowers Use Private Lending

Private lending is not about cutting corners — it’s about speed and flexibility.

Borrowers use private lending when they need:

fast approvals (often days, not weeks)
flexibility around income or credit history
funding for non-standard properties
short-term solutions pending refinance or sale
certainty of execution for time-critical deals

For the right transaction, private lending can be the difference between closing a deal or losing it.

Why Choose Brampton Finance for Private Lending?

Private lending requires judgement, not templates.

Brampton Finance offers:

Access to a wide panel of private lenders and funds
Experience structuring complex and urgent transactions
Honest guidance on pricing, risk and exit strategies
Property-focused underwriting expertise
Australia-wide service with local market knowledge
Clear communication — no surprises mid-deal

We only introduce reputable private lenders and structure loans with clear exits.

Types of Private Lending We Arrange

Private Property Loans

Short-term loans secured against:

residential property
commercial property
mixed-use assets
development sites

Often used where banks decline due to timing or policy.

Private Bridging Loans

Temporary finance used to:

bridge between purchase and sale
settle quickly while awaiting refinance
fund opportunities with short deadlines

Bridging finance prioritises speed and certainty.

Private Construction & Development Loans

Funding for:

small to medium developments
incomplete projects
projects outside bank appetite

Private lenders assess:

land value
project feasibility
exit strategy

Private Refinance Loans

Used to:

refinance existing private or non-bank loans
stabilise a distressed position
prepare for transition back to bank funding

Urgent & Time-Sensitive Lending

Private lenders are often used for:

auction settlements
delayed approvals
complex title or zoning issues
borrower changes mid-transaction

How Private Lenders Assess Loans

Unlike banks, private lenders focus on:

property value
LVR
location and marketability
clear exit strategy (sale or refinance)
borrower experience (where relevant)

Income verification is often secondary to asset strength.

Loan-to-Value Ratios (LVRs)

Private lending LVRs are typically more conservative than banks, but flexible.

Actual LVRs depend on:

property type
location
liquidity of the asset
strength of exit strategy

Lower LVRs generally mean:

better pricing
faster approvals
more lender options

Private Lending Interest Rates & Costs

Private lending is priced differently to bank loans.

Costs may include:

higher interest rates (reflecting risk and speed)
establishment fees
valuation fees
legal costs
exit fees (in some cases)

Brampton Finance focuses on total cost and duration, ensuring private lending is used strategically, not indefinitely.

Exit Strategies: The Most Important Part

A private loan should always have a defined exit.

Common exit strategies include:

refinance to a bank or non-bank lender
sale of the property
completion of development and refinance
asset restructuring

We assess exit viability before recommending private lending.

Private Lending vs Bank Lending

Bank Lending

Lower interest rates
Longer approval times
Strict policy and serviceability
Limited flexibility

Private Lending

Faster approvals
Asset-focused assessment
Flexible structures
Higher pricing (short-term)

Private lending is often used as a bridge, not a permanent solution.

Who Uses Private Lending?

Private lending is commonly used by:

property investors
developers
business owners
high-net-worth individuals
borrowers with complex structures
clients needing urgent settlement certainty

Private Lending Australia-Wide

Brampton Finance arranges private lending across:
Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart and regional Australia.

We work with local valuers, solicitors and lenders to move quickly when timing matters.

Frequently Asked Questions – Private Lending

Is private lending safe?
When sourced from reputable lenders and structured correctly, private lending can be a legitimate short-term finance solution.

How fast can private lending be approved?
Some private loans can be approved within days, depending on documentation and property valuation.

Do private lenders check income?
Often yes, but asset strength and exit strategy are usually more important.

Can private lending help after a bank decline?
Yes. Many private loans are used after bank policy declines or delays.

Is private lending only for distressed borrowers?
No. Many experienced investors use private lending strategically for speed and certainty.

Why Use a Broker for Private Lending?

Private lending is not transparent or standardised.

Brampton Finance:

knows which private lenders suit which deals
avoids inappropriate or overpriced solutions
structures loans with clear exits
protects borrowers from unnecessary risk

Speak to a Private Lending Specialist

Private lending should be deliberate, informed and strategic.

Brampton Finance helps borrowers access private capital responsibly — when speed, flexibility or complexity requires it.

Request a confidential private lending assessment today.

Get Started Today

At Brampton Finance, we help podiatrists secure the right mortgage solution — saving you time, money, and stress.

📍 Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
📞 Phone: 02 9389 1077
📧 Email: info@bramptonfinance.com.au

Speak to us today and unlock your home loan benefits.

Lets work together

Level 7, 35 Spring Street

Bondi Junction 2022

Info@bramptonfinance.com.au

02 9389 1077