Private Lenders in Perth

Fast, flexible loans for property owners, developers & investors across WA

Perth is one of Australia’s most dynamic property markets, with strong demand for residential, coastal, industrial and development projects. From high-growth suburbs in the north and south to inner-city redevelopments, opportunities often move faster than banks can keep up.

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Innovate Funding connects borrowers with private lenders in Perth and across Western Australia, providing fast, asset-backed finance to help you secure deals, release equity, or complete projects.

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Why Choose Private Lenders in Perth

• Speed matters – approvals in 24 hours, settlements in 48–72 hours.

• Flexibility over banks – funding based on your asset and exit strategy, not rigid servicing criteria.

• Strong WA market drivers – resources, migration, and infrastructure projects supporting growth.

• Wide coverage – funding available across Perth CBD, suburbs, coastal areas and regional WA.

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Our Private Lending Solutions

• First Mortgages – Up to 65% LVR, for acquisitions, refinance, or construction.

• Second Mortgages & Equity Release – Access additional funds, often up to ~75% combined LVR.

• Bridging Loans – Buy before you sell or settle time-sensitive transactions.

• Development & Subdivision Finance – Short-term loans for DA approval, civil works, and construction.

• Business-Purpose Loans – Property-secured finance to unlock working capital.

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Loan Sizes, LVRs & Terms

• Loan Amounts: $50K – $8M+

• Security Types: Residential, coastal, industrial, mixed-use, and development land

• LVR: Up to 65% (first mortgage), ~70% combined (with a second pending location)

• Rates: From 8.95% p.a. on first mortgages; 1–2% per month on second mortgages

• Terms: 3–12 months, with flexible exits

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Example Perth Scenarios

• Scarborough Coastal Upgrade – $1.5M bridging loan at 60% LVR to secure a property while awaiting a sale.

• Subiaco Infill Project – $2.2M second mortgage to fund civil works on a townhouse development.

• Osborne Park Industrial Expansion – $3M first mortgage for a commercial acquisition and fit-out.

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Areas We Service

• Perth CBD

• Subiaco

• Scarborough

• Fremantle

• Joondalup

• Osborne Park

• Cottesloe

• Victoria Park

• Rockingham

• Mandurah

• Midland

• Armadale and regional WA (case by case).

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FAQs – Private Lenders Perth

How much can I borrow with a private lender in Perth?
Innovate Funding provides loans from $50,000 up to $20M+, with typical LVRs of 65% on a first mortgage and around 75% combined when using a second.

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Can I get funding if my bank declined me?
Yes. We focus on property equity and your exit plan, not just serviceability metrics.

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How fast can I be approved?
Indicative approvals are usually given in 24 hours, with settlement in 2–3 business days.

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What properties do you lend against?
Houses, apartments, coastal property, commercial, industrial, and development land.

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Do you provide personal loans?
No. All loans are strictly for business or investment purposes.

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Why Innovate Funding

• Local understanding of Perth’s unique property market

• Trusted by brokers, developers, and professionals Australia-wide

• Transparent pricing with no hidden fees

• Repeat clients value our speed, flexibility, and reliability