Private Lending Australia: Property-Backed Business Finance

An Australian private lender providing property-backed funding for eligible business and commercial requirements.

Brampton Finance provides private lending across Australia for business owners, property borrowers and developers seeking finance outside traditional bank lending.

We operate as a private lender and finance broker, providing property-backed loans directly and arranging specialist partner funding where appropriate. Your enquiry can be considered against our lending options and potential partner facilities, depending on the transaction.

Whether you need a private first mortgage, additional capital through a second mortgage, bridging finance or a replacement loan for a maturing facility, we assess the requirement around your property security, existing debt and repayment strategy.

Established in 2006. Private lending enquiries Australia-wide.

Discuss Your Private Loan

Call 02 9389 1077

Brampton Finance: Private Lender and Finance Broker

Brampton Finance provides private lending as well as access to specialist funding partners.

For a suitable transaction, we may provide funding directly. Where another structure or provider is appropriate, we can also arrange finance through a lending partner.

Before you proceed, the proposed facility identifies:

The entity providing the credit.
Brampton’s role in the transaction.
The amount, term and repayment structure.
Interest, fees and any relevant brokerage.
Required property security and guarantees.
Conditions for approval and settlement.

Direct lending is part of our service. Partner funding provides an additional pathway where relevant; it does not replace our role as a lender.

Every facility remains subject to assessment, acceptable security, documentation and applicable lending criteria.

Private Lending at a Glance

Provider: Brampton Finance, Australian private lender and finance broker.

Funding: Property-backed private loans and specialist partner facilities.

Potential structures: First mortgages, second mortgages, bridging loans, business finance, refinancing and development funding.

Purposes: Eligible business and commercial requirements.

Security: Acceptable Australian property, subject to assessment.

Key considerations: Property value, existing obligations, funding purpose, requested term and repayment evidence.

Service area: Australia-wide enquiries, including metropolitan and regional locations.

What Is Private Lending?

Private lending is finance provided through private capital sources rather than a conventional bank facility.

Private capital sources can include lending businesses, mortgage funds and private investors. In property-backed lending, the facility is secured against acceptable real estate and assessed against the complete transaction.

The proposed security matters, but so do the borrower, existing debt, intended use of funds and repayment plan.

A private loan should have a defined purpose, understandable costs and a realistic repayment strategy. It should not depend on an assumed future extension or an unsupported refinance.

Private Loans and Funding Options

Private First Mortgage Loans

A private first mortgage provides 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 purposes include eligible business funding, commercial acquisitions and replacing an existing facility.

Where another lender must be paid out, the payout and transaction costs affect the amount remaining for your new requirement.

Explore private first mortgage loans.

Private Second Mortgage Loans

A second mortgage may allow additional borrowing against property while retaining an existing first mortgage.

Assessment includes the existing loan balance and terms, combined secured debt, accepted property value and any required consents or priority arrangements.

Compare the complete structure with refinancing the entire debt. Keeping the existing mortgage can be useful where the overall cost and repayment obligations support the transaction.

Explore private second mortgage loans.

Private Bridging Finance

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

For example, an eligible commercial transaction may require settlement before another asset sale completes.

The loan term should reflect realistic repayment timing, including reasonable allowance for outstanding conditions and delays.

Explore private bridging finance.

Property-Backed Private Business Loans

Private business funding may support working capital, stock purchases, equipment expenditure, business expansion or an acquisition.

The application should explain what the funds will achieve and how the additional debt will be repaid.

A temporary cash flow gap differs from an ongoing operating loss. Available property equity does not remove the need to assess the underlying business position.

Explore private business loans.

Private Loan Refinancing

A refinance may replace a maturing private mortgage, second mortgage or another eligible property-backed business facility.

The proposed loan needs to account for the outgoing payout, accrued interest, discharge expenses and new borrowing costs.

The replacement facility also needs its own supported exit. Applying for refinancing does not extend the existing loan or suspend the outgoing lender’s rights.

Explore private loan refinancing.

Private Development Finance

Development funding may be considered for eligible site acquisitions, construction programmes, completion requirements and development refinancing.

Assessment can involve approvals, project feasibility, builder arrangements, developer equity, remaining costs, contingency and the intended exit.

Funding needs should account for completing the project and the time required for sales or refinancing to settle.

Explore private development finance.

When Could Private Funding Be Considered?

A private lending enquiry may be relevant where:

An eligible property transaction has an approaching settlement.
A business needs temporary capital before identifiable receipts.
An existing private loan is approaching maturity.
A property owner wants to explore business equity release.
A borrower needs additional funding while retaining a first mortgage.
A development requires a defined funding stage or completion assessment.
A transaction falls outside a particular bank’s criteria.

A bank decline does not automatically make private finance suitable. The reason for the decline, proposed borrowing cost and likelihood of repayment remain relevant.

Discuss your funding scenario.

What Property Can Secure a Private Loan?

Depending on the facility and lending criteria, potential security may include:

Residential houses and apartments.
Commercial offices and retail premises.
Industrial buildings and warehouses.
Mixed-use properties.
Development sites.
Vacant land, where acceptable.

Acceptance depends on the property’s location, ownership, title, condition, marketability and accepted value.

The property offered as security and the use of the funds are separate assessment questions. A residential property may support eligible business funding, but the actual borrowing purpose must be disclosed accurately.

Property provided as security may be at risk if repayment obligations are not met.

How We Assess a Private Lending Enquiry

Property Value and Security

We review the proposed property, ownership, existing mortgages and other relevant interests.

A valuation or other acceptable assessment may be required. An owner’s estimate, purchase price and accepted security value may differ.

Existing Debt and Loan-to-Value Ratio

Loan-to-value ratio, or LVR, compares the relevant debt with the accepted property value.

For a second mortgage, the combined debt position matters. The first mortgage and other relevant secured obligations must be considered alongside the proposed additional loan.

Purpose and Borrower Circumstances

Explain exactly what the funds will pay for.

Identification, entity documents, mortgage statements, contracts, business information and other supporting evidence may be required.

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

Term and Repayment Evidence

The repayment strategy should explain how the debt will be cleared within the agreed term.

Potential sources may include a sale, an achievable refinance, business receipts or another identifiable event.

The expected amount and timing should be supported by evidence and assessed after relevant expenses and other obligations.

How Much Could You Borrow?

Available funding depends on the accepted property value, applicable lending limits, existing debt and facility costs.

Illustrative Equity Calculation

Assume:

Accepted property value: $1,000,000.
Assumed maximum combined debt for the example: 65% LVR.
Existing first mortgage: $450,000.

The assumed combined debt limit would be $650,000.

After accounting for the existing first mortgage, the remaining capacity would be:

$650,000 − $450,000 = $200,000 before fees, retained interest and other adjustments.

This is a hypothetical illustration, not a Brampton Finance lending limit, approval or quote.

Gross Facility vs Net Proceeds

A $200,000 facility does not necessarily provide $200,000 of usable cash.

Ask for a breakdown showing existing payouts, fees, any retained interest and the remaining settlement proceeds.

Tell us the usable amount you need after costs.

Private Lending Interest Rates and Fees

Private loan pricing depends on the property, security priority, debt level, term, transaction complexity and repayment risk.

Review the total cost over your expected borrowing period, including:

Interest and its calculation method.
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 borrowing amount and expected repayment date.

Interest Arrangements

Regular interest payments require sufficient cash flow during the term.

Retained interest can reduce the money available at settlement.

Capitalised interest increases the repayment balance and may itself attract interest, depending on the agreement.

Confirm both the interim obligations and expected final payout before proceeding.

How Quickly Can Private Finance Settle?

Timing depends on the transaction and outstanding requirements.

Valuation, title assessment, existing mortgage discharge, required consents, legal documentation and approval conditions may affect settlement.

Provide the actual deadline at the beginning, together with relevant contracts, payouts or notices.

An indicative response or proposed term sheet is different from unconditional approval and settled funds.

Discuss a time-sensitive private lending requirement.

Private Lending Across Australia

Brampton Finance accepts private lending enquiries across Australia. The security address, property type, borrower and transaction determine the relevant assessment.

Explore our location pages:

Private lenders Sydney — property-backed funding enquiries across Sydney and surrounding locations.
Private lenders Melbourne — private finance for eligible Melbourne business and property requirements.
Private lenders Brisbane — funding enquiries across Greater Brisbane and surrounding South East Queensland.
Private lenders Perth — private lending enquiries involving Perth and other WA property.
Private lenders Adelaide — private finance for eligible Adelaide and South Australian transactions.
Private lenders Hobart — property-backed funding enquiries across Hobart and other Tasmanian locations.
Private lenders Canberra — private lending for eligible Canberra and ACT business and property requirements.
Private lenders Darwin — property-backed funding enquiries across Darwin, Palmerston and other Northern Territory locations.

We also accept enquiries involving Canberra, Darwin and regional Australia, subject to the property and relevant lending criteria.

These are service areas. They do not represent separate Brampton offices.

Why Choose Brampton Finance?

An Australian Private Lender

Direct private lending forms part of Brampton’s service. Your enquiry can be assessed for a potential loan rather than solely referred elsewhere.

Additional Specialist Funding Pathways

Where appropriate, we can also arrange finance through lending partners.

The proposal identifies the credit provider, Brampton’s role and the conditions attached to the facility.

Established Finance Experience

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

We consider the proposed loan alongside existing debt and the wider transaction.

Attention to the Full Funding Requirement

A workable facility needs sufficient usable proceeds, understandable costs and a supported repayment plan.

We assess the amount, term, security and exit together.

What to Prepare for Your Private Loan Enquiry

Provide:

Amount: The usable funding required after costs.
Purpose: What the funds will be used for.
Property: Address, type, ownership and estimated value.
Debt: Current mortgage balances and relevant limits.
Deadline: Required settlement date and proposed term.
Repayment: How and when the facility will be cleared.
Documents: Relevant contracts, statements, budgets or approvals.

Further information may be requested after the initial review.

Private Lending FAQs

Is Brampton Finance a private lender?

Yes. Brampton Finance operates as a private lender and finance broker. We provide property-backed private lending and can also arrange partner funding where appropriate. The facility documents identify the entity providing the credit and Brampton’s role.

Do I have to apply through a broker?

You can contact Brampton Finance directly through our enquiry form or by phone. The application will be assessed against the relevant requirements.

Is private lending the same as non-bank lending?

The terms overlap, but non-bank lending is a broader category. Compare the actual facility, security, costs and repayment obligations rather than relying on the label.

Can I apply after a bank decline?

Potentially. The reason for the decline, borrower circumstances, existing obligations, security and repayment plan remain relevant. Approval is not guaranteed.

Can self-employed borrowers apply?

Yes. Provide the funding purpose, current obligations and repayment evidence. Documentation requirements depend on the borrower, transaction and facility.

Can I keep my existing first mortgage?

Potentially, through an acceptable second mortgage structure. Combined debt, existing loan terms and any required security arrangements must be assessed.

Do private loans 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 another private lender’s loan?

An enquiry may be considered. Provide the current payout, maturity date, property details and repayment strategy for the replacement loan.

Can I repay early?

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

What if my exit strategy is delayed?

An extension or refinance may require reassessment, involve additional charges or be unavailable. Consider a delayed sale, refinance or business receipt before proceeding.

Are all private loans outside consumer credit regulation?

No. The borrower, actual purpose and other applicable factors determine the framework. A private lender label or business-purpose declaration alone does not settle the position.

Can these private business loans fund personal expenses?

This page focuses on eligible business and commercial funding. Disclose the actual use of funds, including any personal component, so the appropriate product and lending requirements can be assessed.

Discuss Your Private Loan With Brampton Finance

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.

Submit Your Private Lending Enquiry

Phone: 02 9389 1077
Email: info@bramptonfinance.com.au

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

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.

02 9389 1077