Private Lenders Brisbane

Fast, Flexible Finance for Brisbane Property Owners, Investors & Developers

Brisbane’s property market is thriving, with inner-city apartments, lifestyle homes, commercial hubs and fast-growing suburbs across South East Queensland. In this fast-moving environment, bank finance often takes too long and can be restrictive.

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Innovate Funding is here to help. We provide fast, asset-backed private loans in Brisbane and across Queensland, including first mortgages, second mortgages, bridging finance, equity release and development loans. Whether you’re acquiring a site in South Brisbane, building in Fortitude Valley, or bridging a sale in Indooroopilly, we deliver the capital you need, when you need it.

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Why Choose a Private Lender in Brisbane?

• Speed: Approvals in 24 hours; settlements in 48–72 hours.

• Flexibility: Asset-based lending with tailored terms.

• Larger Equity Access: Brisbane’s growing values mean more usable equity.

• Solutions Banks Won’t Offer: Bridging, top-ups, business-purpose loans, and subdivision funding.

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Innovate Funding Your Brisbane Private Lending Specialists

We pride ourselves on delivering competitive private lending rates and fast approvals:

• First mortgages from 8.75% p.a.

• Second mortgages from 1–2% per month

• Straightforward fees and flexible exits

By combining local market insight with a strong capital network, we can often fund deals that banks and boutique lenders can’t.

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How We Work

1. Enquire: Reach out by phone or email.

2. Quick Review: We assess the property value, equity and exit plan.

3. Offer Terms: Clear and competitive.

4. Funded Fast: Approval within 24 hours; settlement in days.

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Who We Help

• Developers – DA approvals, subdivisions, townhouse and duplex projects.

• Investors – Equity release, refinancing, bridging for property purchases.

• Business Owners – Commercial purpose loans secured against property.

• Referral Partners – Brokers, accountants and solicitors trust us to deliver for their clients.

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Brisbane Private Lending vs Bank Finance

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Loan Types We Offer

• First Mortgages – Up to 65% LVR

• Second Mortgages & Equity Releases – Up to ~75% combined LVR

• Bridging Loans – Buy before you sell

• Subdivision & Development Finance – DA, early works, construction

• Commercial & Business Purpose Loans – Secured against Brisbane property

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Loan Sizes & Terms

• Amounts: $50,000 – $20M+

• Security: Residential, commercial, mixed-use, development

• LVR: Up to 65% first mortgage; ~75% combined second

• Rates: From 8.75% p.a. first; 1–2% per month second

• Terms: 3–12 months

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Example Brisbane Scenarios

• Woolloongabba: $1.2M first mortgage for a development site pending DA approval.

• Indooroopilly: $900K second mortgage to finish a townhouse project.

• South Brisbane: $2.5M bridging loan to secure a commercial unit before sale of existing assets.

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Areas We Service

Central Brisbane: Brisbane CBD, Fortitude Valley, Newstead
Inner South: Woolloongabba, West End, Highgate Hill, South Brisbane
Western Suburbs: Indooroopilly, Taringa, St Lucia, Kenmore
Northside: Ascot, Clayfield, Wilston, Everton Park
Greater Brisbane & SEQ: Logan, Ipswich, Redlands, Moreton Bay

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FAQs – Private Lenders Brisbane

Are private loans legal in Brisbane?
Yes. Private lending is a legitimate, regulated alternative to bank finance.

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How fast can I get approved?
Approvals often within 24 hours, settlements in 2–3 business days.

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What properties do you accept?
Residential, commercial, mixed-use, industrial and development land.

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Can I get a loan if the bank said no?
Yes. We focus on equity and exit strategy, not just credit scores.

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What LVR is available?
Up to 65% first mortgage; around 75% combined with a second.

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Do you do personal loans?
No. Loans are for business or investment purposes only.
 

Why Innovate Funding?

• Trusted by brokers, accountants and solicitors

• Significant capital deployed across Queensland projects

• Clear documentation, fast response, no hidden fees

• Repeat clients trust us to deliver