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Private Lending in Canberra and the ACT

Private lending in Canberra is becoming increasingly popular among property investors, developers and business owners seeking fast and flexible finance. With a stable economy, a resilient property market and a growing business community, the Australian Capital Territory (ACT) offers strong demand for non-bank loans.

 

At Innovate Funding, we provide tailored private lending solutions throughout Canberra and surrounding regions. We help clients secure the capital they need when banks are too slow, too rigid, or unwilling to support unique lending scenarios.

Why Choose Private Lending in the ACT

Borrowers across Canberra and the ACT turn to private lending for three key reasons: speed, flexibility and asset-based lending.

  • Fast turnaround on approvals and settlements

  • Flexible loan structures designed for business or investment purposes

  • No tax returns, BAS or full financials required

  • Asset-based lending focused on property value and exit strategy

  • Loans available for purchase, refinance, development and cashflow.

Our lending approach works for property-backed borrowers who need real-world solutions, not just tick-box bank assessments.

Types of Private Loans Available in Canberra

We offer a range of loan options for clients based in the ACT:

All loans are for business or investment purposes only.

Where We Lend in the ACT

Metro ACT

Canberra CBD, Inner North, Inner South, Belconnen, Gungahlin, Woden Valley, Tuggeranong Weston Creek

Image of the ACT where Innovate Funding providing private lending loans

Regional ACT (NSW)

Queanbeyan, Googong, Murrumbateman, Bungendore, Yass

Innovate Funding private lending deals in ACT and Canberra

Choosing Innovate Funding for Your Private Lending needs in ACT

Canberra’s property market remains one of the most stable in Australia, supported by high average incomes, strong government employment, and continued population growth. However, bank lending criteria often fail to meet the needs of borrowers in dynamic or time-sensitive situations.

Private lending is ideal for:

  • Developers needing fast access to funds for site acquisition

  • Business owners managing cash flow, tax obligations or expansion

  • Investors leveraging equity across multiple properties

  • Borrowers with complex structures or limited documentation

Our private funding solutions help ACT borrowers take action when it matters most.

  • Can I qualify for a mortgage loan if a bank has declined me?
    Yes, at Innovate Funding, we work with clients who may need to meet traditional bank criteria. Our non-bank mortgage loans are designed to offer flexible solutions whether you’re in South Australia, New South Wales, Queensland, or Victoria. Note: Innovate Funding only offers non-bank lending solutions for commercial purposes.
  • Are there any risks involved with private lending?
    While private lending offers flexibility, it’s important to work with a reputable lender. Innovate Funding operates with transparency and integrity, ensuring that you fully understand the terms and conditions before proceeding. We serve clients in South Australia, New South Wales, Queensland, and Victoria, providing secure and reliable lending options. Visit link to find out more.
  • What is private lending, and how does it differ from traditional bank loans?
    Private lending involves securing a loan from non-bank lenders, offering more flexible terms and quicker approvals compared to traditional banks. Innovate Funding specialises in private lending solutions across South Australia, New South Wales, Queensland, and Victoria, providing customised loans tailored to your unique financial needs.
  • What are the benefits of choosing a second mortgage?
    A second mortgage allows you to access the equity in your property for various needs, such as business growth, purchasing equipment, or major purchases. Innovate Funding provides competitive second mortgage loans across key regions in Australia, including South Australia, New South Wales, Queensland, and Victoria.
  • How quickly can I get approved for a private loan with Innovate Funding?
    Our streamlined process ensures quick approvals, often much faster than traditional banks. Depending on your circumstances and location, we can help you secure a loan within 1-3 days, particularly if you’re based in South Australia, New South Wales, Queensland, or Victoria.
  • What projects are eligible for construction loans at Innovate Funding?
    Innovate Funding's construction loans are available for new builds, property expansions, and other construction-related projects. We offer flexible, tailored financing to meet the specific needs of developers and builders in South Australia, New South Wales, Queensland, and Victoria.
  • How can a bridging loan from Innovate Funding help during property transitions?
    A bridging loan provides temporary financing to bridge the gap between purchasing a new property and selling an existing one. Innovate Funding offers competitive bridging loans to support smooth property transitions in South Australia, New South Wales, Queensland, and Victoria.
  • When should I consider a caveat loan?
    A caveat loan is ideal when you need quick access to funds using your property as security. Innovate Funding offers fast and flexible caveat loans to help you meet urgent financial needs, particularly for clients in South Australia, New South Wales, Queensland, and Victoria.
  • What are the benefits of a first mortgage loan with Innovate Funding?
    Innovate Funding's first mortgage loans offer competitive rates and flexible terms tailored to your unique financial needs. Whether you're a first-time homebuyer or an investor in South Australia, New South Wales, Queensland, or Victoria, our non-bank loans provide the flexibility that traditional lenders may not offer.
  • How does a home equity loan work at Innovate Funding?
    A home equity loan allows you to borrow against the equity in your property. Innovate Funding offers competitive home equity loans tailored to your needs, providing a flexible financing option for homeowners in South Australia, New South Wales, Queensland, and Victoria.
  • What can development loans from Innovate Funding be used for?
    A: Innovate Funding's development loans are designed to finance land acquisition, construction, and redevelopment projects. These loans offer flexible terms and are tailored to meet the specific needs of property developers across South Australia, New South Wales, Queensland, and Victoria.
  • How can a second mortgage help me with my financial goals?
    A second mortgage allows you to access the equity in your home for various purposes, such as debt consolidation, business growth, or significant purchases. Innovate Funding provides second mortgage loans with flexible terms, helping clients in South Australia, New South Wales, Queensland, and Victoria achieve their financial objectives.
  • What are short-term property loans used for?
    Short-term property loans from Innovate Funding are designed for immediate financial needs, such as managing cash flow or seizing investment opportunities. These loans offer quick access to funds with flexible terms, perfect for clients in South Australia, New South Wales, Queensland, and Victoria.
  • What information do I need to provide when applying for a private loan?
    You must provide identification, loan statements if refinancing, proof of ownership such as council rate notices, and details of why you need the funds.
  • How do I start the application process for a non-bank loan with Innovate Funding?
    To start your application, fill out the online inquiry form. One of our lending experts will contact you to discuss your financial needs and guide you through the following steps.
  • What are the steps after my loan application is approved?
    Once your loan is approved, we'll collaborate with you to finalise the terms and conditions. Depending on the loan type, we'll arrange for a property valuation. If the Loan-to-Value Ratio (LVR) meets the required standards and all terms are agreed upon, we'll issue a letter of offer. After you sign the agreement, our legal team will provide the formal terms. The funds will then be disbursed according to the agreed schedule, and we'll continue to offer support throughout the loan.
  • How long does it take to get approved for a non-bank loan with Innovate Funding?
    Depending on the complexity of your application, you could receive approval within a 1-3 days.
  • What is a first mortgage loan?
    A first mortgage is a primary loan secured against a property. It takes priority over other claims if the property is sold or foreclosed.
  • What can first mortgage funds be used for?
    They are typically used for purchases, refinancing, business expansion, or bridging finance.
  • Do you require full financials for first mortgages?
    Not always. We offer low-doc and no-doc options depending on the scenario.
  • Can I have a second mortgage if my first mortgage is with a private lender?
    It depends on the lender’s policies. In many cases, we may recommend refinancing both mortgages into a combined structure.
  • How does a second mortgage work?
    It allows you to access the equity in your property while keeping the existing first mortgage in place.
  • What’s the typical term for a bridging loan?
    3–12 months, often interest-only with capitalised payments.
  • How fast can I get a bridging loan approved?
    In many cases, within 24–48 hours.
  • Can I still qualify if I have an ATO debt?
    Yes. Many of our lenders accept clients with existing ATO debts or below average credit history. These are called No Doc Loans, where no no financials are taken into account.
  • Are these loans for business use only?
    Yes, all our loans are business-purpose, we can not assist with any consumer loans.
  • Are valuations required?
    Yes, but in some urgent scenarios, we can start with an AVM (automated valuation model) or a desktop valuation.
  • What’s the maximum LVR for a no-doc equity release?
    Typically up to 75% LVR, depending on the property location and asset type. In select cases, we’ve arranged short-term, interest-only loans at up to 80% LVR, but these are highly niche scenarios with strong security and exit strategies.
  • Are drawdowns flexible?
    Yes, we offer tailored progress payment schedules based on project milestones.
  • Do you fund both land purchase and construction?
    Yes, we can fund land acquisition, construction, or both.
  • How fast can you settle?
    Indicative approval in 24 hours, formal offer in 48 hours, settlement within 2–5 business days.
  • Do you require financials?
    No. We offer low-doc and no-doc loans; no tax returns, BAS, or financials required
  • Can I get a second mortgage in regional NSW?
    Yes, we frequently fund in places like Wagga Wagga, Dubbo, and the Central Coast.
  • Can I apply with bad credit or tax debt?
    Absolutely. We’re a solution lender, not a credit score lender.
  • Do you lend in regional NSW?
    Yes, we lend across the entire state, including metro, coastal, and rural areas. LVR will dictate whether we can fund the deal or not.
  • What kind of security do you accept?
    We accept residential (75% LVR), commercial (65% LVR), land (raw or zoned) (50% LVR), and some specialised assets. Each security varies based on the LVR.
  • What is the maximum LVR you offer NSW?
    Mixed First and Second Mortgages: Residential property (75%), Commercial Property (65%), Land (50%)
  • What is the maximum LVR you offer in Queensland?
    Mixed First and Second Mortgages: Residential property (75%), Commercial Property (65%), Land (50%). LVR limits may vary based on the location, asset class, and loan structure.
  • How quickly can I access the funds?
    We can provide an indicative offer within 24 hours, with settlements typically completed within 2 to 5 business days.
  • Can I still get a loan if I have tax debt or poor credit?
    Yes. We specialise in funding complex scenarios, including clients with ATO debt, credit impairments, or previous defaults.
  • What types of security do you accept?
    We accept a wide range of security types, including residential and commercial properties, vacant land, and development sites.
  • Can I get a private loan in regional Queensland?
    Yes, we provide funding across all parts of Queensland, including rural and remote areas. The viability of each deal depends on factors such as location, asset quality, and the loan-to-value ratio (LVR).
  • Do you offer second mortgages in regional Queensland?
    Yes, we regularly fund second mortgages across regional Queensland, including areas like Townsville, Cairns, and Toowoomba. Approvals depend on the property's location, equity position, and overall loan structure.
  • Do I need to provide tax returns or BAS statements?
    No. Our loans are available on a no-doc or low-doc basis, meaning we can often approve deals without traditional financials.
  • Do you offer second mortgages in regional Victoria?
    Yes, we regularly fund second mortgages in areas like Geelong, Ballarat, Bendigo, and across rural Victoria. Approval depends on location, remaining equity, and the proposed exit strategy.
  • How fast can you settle a loan in Victoria?
    We can issue indicative terms within 24 hours and settle most private loans in 2 to 5 business days, depending on complexity and documentation.
  • What is the maximum LVR you offer in Victoria?
    We typically lend up to 75% LVR on residential properties, 65% on commercial assets, and up to 50% on land depending on location, loan structure, and risk profile. Higher leverage may be considered in niche scenarios with strong exits.
  • What if I have credit defaults or ATO debt?
    That’s not an issue. We specialise in scenarios involving credit impairment, defaults, or tax debt, structuring solutions based on equity and loan purpose, not your credit score.
  • Do you lend in regional and rural parts of Victoria?
    Yes, we provide funding across all of Victoria, including regional hubs like Bendigo, Ballarat, Mildura, Shepparton, and coastal or rural towns. We assess deals based on location, property type, and exit strategy
  • Can I get a loan in Victoria without tax returns or full financials?
    Absolutely. We offer low-doc and no-doc lending options, with no requirement for BAS, tax returns, or traditional financials.
  • What types of security do you accept in Victoria?
    We lend against residential homes, commercial properties, vacant land (zoned or unzoned), and even specialised assets.
  • Can you fund developments or construction projects in Canberra?
    Absolutely. We fund both land and construction, as well as development finance for townhouses, duplexes, and boutique projects.
  • How quickly can you settle loans in the ACT?
    Indicative offers are typically issued within 24 hours. Most settlements occur within 2–5 business days, depending on solicitor review and valuation.
  • What is the maximum LVR you offer in the ACT?
    Up to 75% LVR for residential property and around 65% for commercial properties. Land and niche asset types may attract lower leverage, depending on marketability and location.
  • Do you require financials or tax returns to apply?
    No. Our loans are available on a low-doc or no-doc basis. We assess deals based on the asset value and your exit strategy.
  • Do you offer second mortgages in Canberra or surrounding regions?
    Yes, second mortgages are available across the ACT. Approval depends on existing debt, LVR, and location. In some cases, it may be necessary to refinance both the first and second mortgages under one facility.
  • Do you lend across Canberra and the ACT region?
    Yes, we provide private loans across all areas of the ACT, including Canberra CBD, Belconnen, Gungahlin, Woden Valley, Tuggeranong, Weston Creek, and surrounding regions such as Queanbeyan, Googong, Murrumbateman, and Bungendore.
  • Do you offer second mortgages in South Australia?
    Yes. We offer second mortgages in Adelaide and selected regional areas. The deal structure, loan-to-value ratio (LVR), and existing debt will determine eligibility.
  • What types of property do you accept as security in South Australia?
    We accept residential, commercial, and vacant land including development sites. Rural and regional properties are assessed based on marketability and location.
  • What is the maximum LVR you offer in South Australia?
    Typically up to 75% LVR for residential properties, around 65% for commercial, and lower for land. Higher leverage may be possible in certain metro areas.
  • Do I need to provide full financials or tax returns to qualify?
    No. Our private loans are available on a low-doc or no-doc basis. We focus on asset value, location, and your proposed exit strategy.
  • Can I get a loan if I have tax debt or bad credit?
    Yes. We frequently assist borrowers with ATO arrears, defaults, or poor credit scores. We’re solution-focused, not credit-score-driven.
  • How quickly can you settle loans in SA?
    We can issue an indicative approval within 24 hours, with settlements usually finalised within 2–5 business days, depending on documentation and legal process.
  • Do you lend across Adelaide and regional South Australia?
    Yes, we fund loans throughout SA including Adelaide metro, Mount Gambier, Whyalla, Port Lincoln, Victor Harbor, and other regional areas. The strength of the security and exit strategy will determine loan approval.
  • What is the maximum LVR you offer in Western Australia?
    We typically lend up to 70% LVR on residential properties, up to 55% on commercial assets, and up to 40% on land, depending on the location and deal structure.
  • Do you lend in regional and remote areas of WA?
    Yes, we offer private lending solutions across all of Western Australia including regional and remote locations such as Albany, Bunbury, Kalgoorlie, Broome, Geraldton, and Karratha.
  • Can I get approved if I have credit issues or ATO debt?
    Absolutely. We specialise in helping borrowers with complex financial situations, including poor credit history, defaults, and outstanding ATO obligations.
  • What types of security do you accept in Western Australia?
    We accept residential, commercial, industrial, and vacant land as security provided there is market value and a viable exit strategy.
  • Do you offer second mortgages in regional WA?
    Yes, we can offer second mortgages in regional Western Australia, but availability depends on the property type, location, and overall LVR. Funding can be more limited in rural towns with populations under 5,000, and certain assets may require a stronger exit strategy or lower leverage.
  • Are tax returns or financials required to apply?
    No. Most of our loans are available on a low-doc or no-doc basis, meaning you don’t need to provide tax returns, BAS, or detailed financials.
  • Do I need financials or tax returns to apply?
    No. We offer low-doc and no-doc loans. Our focus is on the asset and exit strategy, not paperwork or traditional financials.
  • How quickly can you settle loans in the Northern Territory?
    We issue indicative approvals within 24 hours, with most settlements completed in 2–5 business days, subject to legal and valuation timelines.
  • What is the maximum LVR you offer in the NT?
    Typically up to 70% LVR on residential property, and up to 55% on commercial property. For land or more complex deals, the LVR may be lower depending on location and exit strategy.
  • Do you lend in remote areas of the NT?
    Yes, we provide private loans throughout the Northern Territory, including Darwin, Alice Springs, Katherine, Tennant Creek, and other remote areas provided the property has sufficient market value and a viable exit strategy.
  • Do you offer second mortgages in the Northern Territory?
    Yes, second mortgages are available in the NT. However, availability depends on the location, property type, and existing first mortgage lender. Some regional and remote deals may require refinancing or combined structuring.
  • Can you fund land purchases or development projects in the NT?
    Yes. We offer funding for vacant land, construction, and development projects on residential, commercial, and mixed-use sites.
  • Do you offer second mortgages in regional Tasmania?
    Yes, though availability depends on the property's location, existing debt position, and LVR. Towns with limited buyer activity may have reduced lending options.
  • Do you offer loans for vacant land or development sites in Tasmania?
    Absolutely. We fund vacant land, residential developments, and commercial projects where there is sufficient market value and a clear exit plan.
  • How fast can I settle a private loan in Tasmania?
    Indicative offers are usually issued within 24 hours, with most loans settling within 2–5 business days, depending on valuation and legal timelines.
  • What types of property do you accept as loan security in Tasmania?
    We accept residential, commercial, industrial, and land (zoned or unzoned) properties. Special-use assets may also be considered on a case-by-case basis.
  • Can I apply without providing full financials?
    Yes. Our private loans are available on a no-doc or low-doc basis. We assess the deal based on asset value, loan purpose, and exit strategy.
  • What is the maximum LVR you offer in Tasmania?
    Generally up to 75% LVR for residential property, 65% for commercial, and lower for land or regional areas. It depends on the location and deal risk.
  • Do you lend in Hobart and regional Tasmania?
    Yes, we lend across the state including Hobart, Launceston, Devonport, Burnie, and rural areas. The property's value and location are key to loan eligibility.

Get a Fast Private Lending Solution in Canberra

Innovate Funding helps ACT-based borrowers access the capital they need without the delays and hurdles of traditional banks.

Submit your scenario today to receive a same-day assessment and indicative terms.

Call 02 8919 3639 | Get an Indicative Offer today!

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