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Private Lending for Savvy Property Owners
Being a savvy property owner means knowing when to leverage your assets to achieve bigger financial goals. At Innovate Funding, we specialise in providing tailored private loans for property owners who want to access fast capital, maximise returns, and act on opportunities without being slowed down by banks.
Whether you’re looking to renovate, expand your portfolio, consolidate debt, or unlock equity for new investments, we provide flexible loans from $100K to $20M, with competitive rates starting at 8% p.a.
Why Savvy Property Owners Choose Private Lending
1. Speed of Funding
Banks can take months to process a loan application. By then, the deal may be gone. At Innovate Funding, we can provide indicative terms in 24–48 hours and settle deals in days, not months.
2. Tailored Loan Solutions
Every property owner’s situation is different. We design lending solutions based on your equity position and goals rather than rigid bank criteria.
3. Use Equity to Grow
Your property is more than a home or investment it’s an asset that can be leveraged. Our loans allow you to release equity quickly to take advantage of new opportunities.
4. Flexible Repayment Options
Choose between short-term bridging finance or longer terms depending on your exit strategy. We work around your goals, not against them.
Loan Features
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Loan Amounts: $100K – $5M+
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Interest Rates: From 8% p.a. on first mortgages, 12%+ p.a. on seconds
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Terms: 3–36 months (short- and medium-term funding available)
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Security Types: Residential, commercial, industrial, and mixed-use properties
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Approval Time: Indicative terms within 24–48 hours, settlement in as little as 5–7 days
Scenarios Where We’ve Helped Savvy Property Owners
Renovation & Value-Add Projects
An investor in Sydney accessed $350K against existing equity to renovate a duplex before sale. The uplift in value far exceeded the interest costs.
Debt Consolidation
A property owner in Brisbane used a second mortgage loan to consolidate high-interest debts into one manageable facility, freeing up monthly cash flow.
Bridging Finance for a New Purchase
A savvy investor identified a high-growth suburb deal but hadn’t sold their existing property. We provided a bridging loan within 7 days, enabling them to secure the deal without bank delays.
Equity Release for New Business
A Melbourne property owner released $500K equity from their commercial property to fund the expansion of their growing business.
Property Portfolio Expansion
A seasoned investor used our funding to acquire multiple regional properties, capitalising on strong rental yields while waiting for long-term refinancing.
How Innovate Funding Works with Property Owners
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Quick Assessment – We review your property and loan purpose within 24–48 hours.
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Indicative Offer – Receive clear terms outlining loan amount, interest, and conditions.
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Fast Settlement – Once approved, funding is released in days, not months.
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Flexible Exit Strategy – Designed around refinancing, asset sales, or income growth.
Why Work With Innovate Funding?
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Specialists in Private Lending – Decades of experience helping Australians access non-bank funding.
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Transparent Costs – No hidden fees; upfront terms every time.
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Australia-Wide Lending – We work with property owners across NSW, VIC, QLD, WA, SA, ACT, NT & TAS.
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Dedicated Support – A real team member, not an automated system, guides you through each step.
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Frequently Asked Questions (FAQs)
Q: How much can I borrow as a property owner?
You can borrow from $100K up to $5M+, depending on your available equity and security type.
Q: What interest rates apply?
Rates start at 8% p.a. for first mortgages and typically 12%+ p.a. for second mortgages.
Q: What types of properties can be used as security?
We accept residential, commercial, industrial, and mixed-use properties across Australia.
Q: Can I use the loan for personal purposes?
No. Innovate Funding provides business-purpose loans only.
Call to Action
Are you a property owner looking to unlock equity and move fast on your next opportunity?
Speak with Innovate Funding today. We’ll provide indicative terms within 48 hours and help you take the next step in growing your wealth.