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Private Lending for Property Investors

At Innovate Funding, we help property investors across Australia access fast, flexible private lending to grow their portfolios, fund renovations, or refinance existing assets. We understand that opportunities in the property market don’t wait for bank approval which is why we focus on delivering quick, tailored finance solutions that work for both residential and commercial investments.

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Our loans are designed for seasoned investors, first-time investors, and those with complex financial situations, including clients with impaired credit, no-doc requirements, or mixed securities. We provide first and second mortgages, bridging loans, and cash-out loans, with LVRs up to 75% on residential property and up to 60% on standalone commercial properties (higher when cross-collateralised).

First Mortgage Loans

For purchasing or refinancing residential and commercial properties.

Bridging Loans

Buy before selling an existing asset to avoid missing opportunities.

Short-Term Investment Loans

Flexible funding to cover urgent opportunities.

Second Mortgage Loans

Access equity without disturbing an existing first mortgage.

Cash-Out Loans

Release equity to fund renovations, investments, or business needs.

Mixed-Security Loans

Combine multiple properties to increase borrowing capacity.

Why Property Investors Choose Innovate Funding

  • Fast Turnarounds – Conditional approvals in 24–48 hours.

  • Competitive Rates – From 8.75% p.a. for first mortgages and 12.95% p.a. for second mortgages.

  • Flexible LVRs – Up to 75% residential, 60% commercial, higher with mixed security.

  • No-Doc & Low-Doc Loans – Perfect for self-employed investors or those without up-to-date financials.

  • Nationwide Lending – Metro, regional, and growth corridor locations funded.

  • Commercial & Residential Expertise – From single dwellings to large-scale investment properties.

Scenarios We Commonly Fund

  1. Acquisitions of residential or commercial investment properties.

  2. Renovations or developments to increase property value before resale or refinancing.

  3. Refinancing to access equity for further investments.

  4. Portfolio expansion using existing property as collateral.

  5. Bridging finance for seamless transitions between properties.

  6. Commercial property purchases for owner-occupation or lease.

How We Work With Property Investors

  1. Scenario Submission – Provide us with the purchase or refinance details.

  2. Quick Assessment – We evaluate the deal on its merits, not just a credit score.

  3. Conditional Approval – Terms issued in as little as 24 hours.

  4. Settlement – Funds released quickly to secure your investment opportunity.

Partner With Innovate Funding

As a property investor, your ability to act quickly is crucial. By working with Innovate Funding, you gain access to a finance partner who understands the market, moves fast, and offers the flexibility you need to seize opportunities and maximise returns.

 

Contact us today to discuss your next investment and learn how our private lending can help you grow your portfolio.

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