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Private Lending Solutions Across Australia

At Innovate Funding, we deliver fast, flexible private loans Australia-wide, helping business owners, developers, and investors access capital without the red tape of traditional banks. Whether you're based in a major city or a regional area, we provide tailored lending solutions that match your local market and property needs.

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We work with borrowers across every state and territory, offering first and second mortgages, caveat loans, bridging finance, and development funding — all with low-doc or no-doc options, fast approvals, for business or investment use.

Map of Australia highlighting states served by Innovate Funding for private first and second mortgages

Understanding the First & Second Mortgage Landscape in Australia

In Australia’s private lending market, first and second mortgage loans play a vital role in helping borrowers access capital without the hurdles of traditional banks. The Loan-to-Value Ratio (LVR) is a key factor, the lower the LVR, the better the interest rate, as it reduces the lender’s risk. Rates are also influenced heavily by the type and location of the property used as security.

 

Prime residential properties in metro areas generally attract lower rates and higher lend limits, while rural, farmland, and specialised-use assets often result in higher rates or lower LVR caps, particularly in remote regions. Whether you're leveraging a city apartment or regional acreage, understanding these variables is critical to securing the right loan structure at the best possible cost.​

Where We Lend

Why Choose Innovate Funding for Private Loans?

  • Nationwide Coverage – We lend across metro, regional, and rural areas

  • Fast Approval – Receive funding in as little as 24–72 hours

  • No Financials Required – No tax returns, BAS, or income evidence needed

  • Custom Loan Structures - Rates from 8.75% p/a (First Mortgage)

  • First & Second Mortgages – Secured against residential, commercial, or land assets

  • All loans for business or investment use only

Get Started Today

Whether you're in New South Wales, Queensland, Victoria, or anywhere in between Innovate Funding is ready to help. We bring 20+ years of combined experience in private lending and specialise in non-bank loans that get results, fast.

 

Call us on 02 8919 3639 or enquire online to discuss your state-specific lending needs.

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