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Private Lending for Mortgage Brokers

At Innovate Funding, we work hand-in-hand with mortgage brokers to help secure funding for clients who don’t meet strict bank lending criteria or who need finance urgently.

 

We know that as a broker, your reputation depends on delivering solutions and we make sure you have the tools, products, and speed to make it happen.

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Our solutions include first mortgages, second mortgages, bridging loans, and short-term private finance, with options for no-doc and low-doc lending.

 

Whether we fund directly under our brand or work in a white-label capacity, your clients will receive fast approvals, competitive rates, and full support from application through to settlement.

First Mortgages

​Competitive private lending rates for purchases, refinances, or debt consolidation.

Bridging Loans

Buy before selling, with quick settlement timelines.

No-Doc Loans

Simplified application process with minimal documentation required

Second Mortgages

Access equity without disturbing the first mortgage.

Short-Term Business Loans

​Property-secured loans for business purposes, including working capital or expansion

Construction Loans

Fast, flexible construction loans with staged drawdowns and tailored LVRs.

Why Mortgage Brokers Partner with Us

Mortgage brokers across Australia choose Innovate Funding because we:

  • Move Quickly: Conditional approvals can be issued in as little as 24 hours.

  • Fund the Tough Deals: We help clients banks won’t, including those with ATO debt, impaired credit, or unusual circumstances.

  • Offer Competitive Rates: Starting from 8.75% p.a. for first mortgages and 12.95% p.a. for second mortgages.

  • Provide Flexible LVRs: Up to 80% on selected securities, with mixed LVRs for multiple properties.

  • Support No-Doc & Low-Doc Deals: Ideal for self-employed borrowers or clients without up-to-date financials.

  • Give You Control:  Choose to let us fund directly or keep the client relationship with a split brokerage arrangement.

How We Work With Brokers

  1. Submit Your Scenario: Send us the client’s details, loan purpose, and security information.

  2. Fast Assessment: We review the deal on its merits, without a rigid bank checklist.

  3. Conditional Approval: Receive terms within 24–48 hours in most cases.

  4. Settlement: We work with you (and your client’s solicitor if required) to complete settlement quickly.

 

Our role is to make the process seamless for both you and your client, ensuring minimal admin on your end and maximum satisfaction for the borrower.

Who We Can Help

  1. Clients needing urgent settlement in 24–72 hours.

  2. Borrowers with bad credit or ATO debt.

  3. Self-employed clients without recent financial statements.

  4. Property investors expanding their portfolios.

  5. Developers needing short-term capital to start or complete projects.

Partner With Innovate Funding Today

We value our relationships with mortgage brokers and pride ourselves on delivering funding solutions that help you win more business, keep your clients happy, and close more deals. Whether you want us to fund directly or act in the background while you maintain the client relationship, we have the flexibility to make it work.

 

Contact us today to discuss your next scenario and see how we can help you deliver results for your clients.

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