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 regulated alternative to traditional banks and is widely used by property investors, developers and business owners in Brisbane for business and investment purposes.

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How fast can private loans be approved in Brisbane?

Indicative approvals are often provided within 24 hours, with settlements typically completed within 2 to 3 business days depending on valuation and legal documentation.

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Can I get a private loan if the bank declined me?

Yes. Private lenders focus primarily on property security and exit strategy rather than strict bank servicing requirements, making them suitable for borrowers declined by traditional lenders.

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What loan-to-value ratio (LVR) can I get?

Typically up to 65% LVR for a first mortgage, and up to approximately 75% combined LVR when using a second mortgage, depending on the asset and overall structure.

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What types of property can be used as security in Brisbane?

Residential homes, apartments, commercial property, industrial assets, mixed-use developments and development sites across Brisbane may be accepted, subject to valuation and marketability.

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Do you provide private lending across all areas of Brisbane?

Yes. Innovate Funding arranges private loans across Brisbane including the CBD, Inner City, South Brisbane, Fortitude Valley, Newstead and surrounding metropolitan areas, subject to acceptable security and exit strategy.

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Are private loans available for business purposes only?

Yes. Most private lending solutions are structured for business or investment purposes rather than personal or consumer lending.

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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