Private Lending Cairns -
First and Second mortgages in Far North Queensland

Unlocking Opportunities in a Growing Regional Market

Cairns is more than a tropical tourist hub; it’s one of the fastest-growing regional centres in Queensland. With new housing estates, tourism-driven commercial developments, and rising demand for lifestyle properties across the Far North, the market moves quickly. But when traditional banks take weeks to approve loans, investors, developers, and business owners risk missing opportunities.

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That’s where private lending in Cairns comes in. At Innovate Funding, we provide fast, asset-backed loans tailored to the local market, helping you secure property, release equity, or fund developments without the long wait.

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Why Private Lending Works in Cairns

• Tourism & Hospitality Demand – Strong commercial activity creates opportunities for property owners and investors.

• Fast-moving Residential Market – Suburbs like Earlville, Redlynch, and Smithfield continue to grow, driven by affordability and population growth.

• Infrastructure Growth – Projects like Cairns Airport expansions and Bruce Highway upgrades boost regional value.

• Banks Can’t Keep Up – Strict lending rules and long approval times mean many borrowers turn to private lending for speed and flexibility.

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Our Lending Solutions in Cairns

• First Mortgages – Up to 65% LVR, ideal for acquisitions and refinancing.

• Second Mortgages / Equity Top-Ups – Unlock extra capital even if you already have a bank loan (often up to ~75% combined LVR).

• Bridging Finance – Buy before you sell, or secure property under tight deadlines.

• Subdivision & Development Funding – From DA stage to site works and builds, suited for residential or mixed-use projects.

• Business-Purpose Loans – Asset-secured funding for local business growth or working capital.

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Loan Snapshot for Cairns

• Amounts: $50K – $20M+

• Security: Residential, commercial, mixed-use, industrial, or development land in Cairns & surrounds

• Rates: From ~8.75% p.a. (first mortgage); 1–2% per month (second mortgage)

• Terms: 3–12 months, with flexible exits

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Example Scenarios in Cairns

• Trinity Beach Development: $1.2M second mortgage to fund subdivision works ahead of presales.

• Cairns CBD Commercial Upgrade: $850K bridging loan to refurbish a mixed-use retail site.

• Redlynch Residential Equity Release: $600K unlocked via first mortgage to acquire adjoining land for expansion.

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Areas We Service in Far North Queensland

• Cairns CBD & Inner Suburbs: Parramatta Park, Westcourt, Manoora

• Northern Beaches: Trinity Beach, Palm Cove, Clifton Beach

• Southern Growth Corridors: Mount Sheridan, Edmonton, Gordonvale

• Hinterland & Surrounds: Redlynch, Smithfield, Kuranda

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FAQs – Private Lending Cairns

Is private lending legal in Cairns?
Yes. Private lending is fully regulated and widely used for business and investment finance.

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How fast can I get approved?
Innovate Funding can often approve loans in 24 hours and settle within 2–3 business days.

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What properties qualify?
Residential, commercial, development land, and mixed-use assets across Cairns and FNQ.

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Can you help if I was declined by a bank?
Yes, we focus on asset value and exit strategy, not just credit history.

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What LVR can I expect?
Up to 65% on a first mortgage, and ~75% combined when using a second mortgage structure.

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

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Why Innovate Funding for Cairns?

• Deep knowledge of Queensland’s regional property markets

• Transparent terms, competitive pricing, and fast turnarounds

• Trusted by brokers, accountants, and property professionals

• Repeat business from satisfied clients who value speed and flexibility