Private Lending Darwin & the Northern Territory

Fast, flexible loans for NT property owners, investors & developers

Darwin’s property market is unique, driven by defence, resources, tourism, and residential demand. With major projects, land releases, and high rental yields, opportunities can move quickly. But banks are often slow, rigid, and unwilling to lend outside traditional criteria.

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Innovate Funding provides property-backed private loans across Darwin and the Northern Territory, giving borrowers fast access to capital for purchases, equity release, bridging finance, and development projects.

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Why Private Lending Works in Darwin

• Speed: Indicative approvals in as little as 24 hours; settlements within 48–72 hours.

• Flexibility: Focused on property value and exit strategy, not strict credit scores.

• Strong local demand: Defence presence, mining, and housing growth support stable property values.

• Regional capability: We regularly support deals in Darwin, Palmerston, and regional NT towns where banks hesitate.

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Our Lending Options in Darwin

• First Mortgages – Up to 55% LVR for purchases, refinance, or construction.

• Second Mortgages / Equity Release – Add capital behind a bank loan, often reaching ~65% combined LVR.

• Bridging Loans – Buy before you sell or meet tight deadlines.

• Subdivision & Development Loans – For DA, infrastructure, or staged construction projects.

• Business-Purpose Loans – Working capital secured against NT property.

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Loan Snapshot

• Loan amounts: $50,000 to $5M+

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

• LVR: Up to 55% first mortgage; ~65% combined with a second

• Rates: From 10.75% p.a. (first) and 1–2.5% per month (second)

• Terms: 3–12 months, with flexible exits

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Darwin Case Scenarios

• Palmerston Residential Equity Release: $700K first mortgage to release capital for investment in another project.

• Nightcliff Bridging Loan: $1.2M bridging loan secured to buy before sale settlement, preventing loss of a premium coastal property.

• Darwin CBD Commercial Upgrade: $1.8M second mortgage to complete fit-out works, refinanced to a bank once leased

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Areas We Service

• Darwin CBD

• Palmerston

• Casuarina

• Nightcliff

• Larrakeyah

• Fannie Bay

• Stuart Park

• Parap

• Bayview

• Humpty Doo

• Howard Springs

• Katherine

• Alice Springs and broader NT on a case-by-case basis.

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FAQs – Private Lending Darwin

How much can I borrow in Darwin?
From $50,000 up to $20 million+, subject to property value and structure. Typical LVRs are 65% first mortgage and about 75% combined with a second mortgage on strong deals.

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Will you fund if the bank declined me?
Yes. We focus on equity and exit strategy, not just serviceability.

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How fast can you approve and settle?
Indicative approvals in 24 hours, settlement usually in 2–3 business days.

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What property types qualify?
Houses, units, prestige property, mixed-use, commercial, and development land.

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Do you provide consumer loans?
No. We only provide loans for business or investment purposes.

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Why Innovate Funding

• Trusted by brokers, developers, and accountants across Australia

• Strong track record in regional and northern markets

• Clear, transparent pricing with no hidden fees

• Flexible, fast and tailored lending solutions