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Private Lending for Property Investors
Property investors often need speed, flexibility, and leverage especially when executing time-sensitive or value-add strategies. Innovate Funding provides specialist private lending solutions for experienced property investors, offering fast approvals, flexible structures, and asset-backed finance when traditional banks are too slow or restrictive.
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Whether you’re acquiring an investment property, unlocking equity across a portfolio, funding a short-term hold, or repositioning an asset prior to refinance or sale, our non-bank private lending solutions are designed to support sophisticated investment strategies with certainty and control.
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Private finance built for investors who understand opportunity and timing.
Primary funding for acquisition or refinance. Private first mortgages for residential, commercial, or mixed-use investment assets.
12–24 month solutions for strategic plays. Perfect for renovation, or bridging to refinance or sale.
Unlock capital across your portfolio.
Fund deposits, renovations, or new acquisitions using existing equity.
Leverage existing equity without refinancing. Ideal where banks won’t extend further credit but equity is available.
Buy now, exit later. Acquire new assets while selling or refinancing existing properties.
Cross-collateralised lending for higher leverage. Combine multiple properties to optimise LVRs and deal outcomes.
Why Property Investors Choose Innovate Funding
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Speed of execution – Indicative terms often within 24–48 hours
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Flexible structures – Firsts, seconds, and blended security
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Portfolio expertise – Multi-property and cross-collateral deals
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Higher leverage – Up to 70% LVR, higher with additional security
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Exit-focused lending – Refinance, sale, or stabilisation strategies
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Nationwide coverage – Metro, regional and growth markets
This is private lending built around investment outcomes, not rigid policy.
Our Investor-Focused Lending Process
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Strategy Review
We assess the investment strategy, asset type, and exit plan. -
Asset-Based Assessment
Lending decisions are driven by property value and liquidity. -
Fast Conditional Approval
Clear, practical terms issued quickly to secure opportunities. -
Efficient Settlement
Funds released to align with acquisition or restructuring timelines.
Designed for investors who value certainty and control.
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Purchase of undervalued or off-market assets
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Short-term holds pending DA, renovation, or rezoning
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Equity release across multi-property portfolios
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Second mortgages where senior lenders won’t extend
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Bridging finance between sale and acquisition
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Stabilisation of assets prior to refinance with a major lender
Frequently Asked Questions – Property Investors
Is private lending suitable for experienced investors?
Yes. Private lending is commonly used by experienced investors executing short-term or value-add strategies.
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Can private lending be used for portfolio structures?
Absolutely. We regularly structure loans across multiple securities.
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What exit strategies are acceptable?
Sale, refinance, asset stabilisation, or portfolio restructuring.
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Is this suitable for commercial and mixed-use property?
Yes — many investor transactions involve commercial or mixed-use assets.
If you’re an experienced property investor seeking fast, flexible, asset-backed finance, Innovate Funding can structure a solution aligned to your strategy.
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Contact our private lending team today to discuss your investment scenario.