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Private Lending for Real Estate Agents

At Innovate Funding, we work with real estate agents across Australia to provide their buyers and vendors with fast, flexible private lending solutions that help keep deals moving. We understand that in real estate, delays kill momentum which is why our focus is on delivering quick approvals, tailored loan structures, and settlements that happen on time.​

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Whether you’re helping a vendor fund property improvements before listing, or assisting a buyer to secure a commercial asset before auction, our first and second mortgages, bridging loans, and short-term private finance are designed to fit your client’s needs.

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We fund residential, commercial, mixed-use, and specialised properties, with LVRs up to 75% on residential security and up to 60% on standalone commercial properties (higher when cross-secured).

Bridging Loans

Short-term finance to cover the gap between buying and selling.

Second Mortgage Loans

Tap into equity without disturbing an existing first mortgage.

Short-Term Settlement Loans

Urgent funding to secure a property or meet settlement deadlines.

First Mortgage Loans

For both residential and commercial acquisitions or refinancing.

Cash-Out Loans

Release equity for renovations, business purposes, or investment.

Mixed-Security Loans

Combine residential and commercial securities to achieve higher LVRs.

Why Real Estate Agents Partner With Us

  • Fast Turnaround – Conditional approvals in as little as 24–48 hours.

  • Flexible Loan Structures – First and second mortgages, bridging loans, and cash-out finance.

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

  • No-Doc & Low-Doc Options – Ideal for clients without up-to-date financials.

  • Commercial & Residential Expertise – Funding available for all property types, including mixed-use and specialised assets.

  • Nationwide Coverage – We fund deals in every state and territory.

How We Help Real Estate Agents Close More Deals

  1. Vendor Funding – Access equity before sale to renovate, style, or market the property to its best potential.

  2. Buyer Bridging Loans – Secure a new property before the existing one settles.

  3. Urgent Settlement Finance – Ensure buyers can meet tight contractual deadlines, even after bank finance falls through.

  4. Commercial Property Funding – Fast access to capital for clients purchasing offices, warehouses, retail spaces, or mixed-use buildings.

  5. Auction & Off-Market Purchases – Private loans that give buyers the confidence to act quickly and competitively.

Scenarios We Commonly Fund

  1. Vendors upgrading their property before listing to maximise sale price.

  2. Buyers needing immediate settlement after a bank decline.

  3. Commercial property purchases where timing is critical.

  4. Mixed-use property acquisitions requiring tailored loan structuring.

  5. Investors refinancing to fund additional acquisitions.

Partner With Innovate Funding

By partnering with Innovate Funding, real estate agents can offer their clients access to funding solutions that remove barriers, close deals faster, and create a competitive edge. Whether your focus is residential, commercial, or a mix of both, we have the expertise, flexibility, and speed to make finance work for your clients.

 

Contact us today to discuss your next client scenario and see how we can help you close more deals.

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