Private Lending in Geelong

Fast, Flexible Finance for Geelong Property Owners, Investors & Developers

Geelong’s property scene rich with emerging suburbs, coastal homes, industrial opportunities, and redevelopment projects—moves fast. When banks delay, you need agile, asset-backed funding to stay ahead.

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Innovate Funding offers private lending solutions tailored for Geelong and surrounding areas, including first mortgages, second mortgages, bridging finance, equity release, and subdivision/development loans. Whether you're renovating in Geelong West, building in Newtown, or subdividing near Bellarine, we’ve got you covered.

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Why Choose Private Lending in Geelong?

• Speed: Approvals in as little as 24 hours, settlements in 48–72 hours.

• Flexibility: Loans are structured around your property and exit plan - not rigid bank criteria.

• Strong Local Growth: Geelong is one of Australia's fastest-growing regional markets, with robust demand for both investment and residential development

• Bank Alternatives: We fund bridging, second mortgages, DA finance, and all the bridges banks often won’t.

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Innovate Funding – Geelong’s Private Lending Experts

Benefit from our competitive, transparent pricing and deep local insight:

• First mortgages from 8.75% p.a.

• Second mortgages from 1–2% per month

• No hidden fees or surprises. Fast responses, always tailored.

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How We Work

1. Reach out: via phone, email, or online inquiry.

2. Fast property assessment: we focus on equity, property type, and exit clarity.

3. Receive tailored terms: clear, competitive, customized.

4. Fund quickly: valid approvals in 24h, settlement within days.

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Who We Help

• Developers: financing for DA, infrastructure, site subdivision projects.

• Investors: equity access, refinancing, bridging for new purchases.

• Property owners: funding unlock for renovations, expansions, or asset acquisitions.

• Brokers & Advisors: referral-friendly solutions when clients hit bank roadblocks.

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What We Finance

• First Mortgages: up to 65% LVR

• Second Mortgages / Equity Releases: often ~75% combined LVR

• Bridging Loans: for gap funding during sales or purchases

• Subdivision & Development Finance: DA, construction, early works

• Business & Commercial Loans: property-secured funding for growth

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Loan Sizes & Terms

• Loan amounts: $50,000 – $20M+

• Security: Residential, industrial, development land

• Rates: 8.75% p.a. for first, 1–2% per month for second

• Terms: 3–12 months with flexible exits

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Geelong Case Examples

• Newtown Renovation (Second Mortgage): $800K to complete a period renovation—refinanced after uplift.

• Bellarine Subdivision (Bridging Loan): $1.2M secured to finalize strata conversion—sold off post-split.

• Geelong West Unit Acquisition (First Mortgage): $1.5M, quick settlement to secure off-market opportunity.

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Areas We Service

• Inner Geelong: Geelong West, Newtown, Geelong (CBD), South Geelong

• Coastal Suburbs: Belmont, Grovedale, Charlemont, Lara

• Bellarine Peninsula: Ocean Grove, Barwon Heads, Torquay, Rippleside

• Regional Vic: Project-based support across Greater Victoria

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FAQs – Private Lending Geelong

Are private loans legal in Geelong?
Yes the model is fully regulated and widely used for business and investment purposes.

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How fast is lending?
Approvals often within 24 hours; settlements typically within 48–72 hours.

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What are accepted assets?
Homes, development lots, duplex sites, light industrial properties.

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Bank declined me can you help?
Absolutely. We prioritise asset strength and exit strategy over credit alone.

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What LVR can I expect?
Up to 65% on a first mortgage and ~75% combined with a second, depending on asset quality.

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Do you do consumer loans?
No all loans are strictly for business or investment use.

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Why Innovate Funding?

• Trusted by local brokers, accountants, and solicitors in Geelong

• Significant capital deployed in the Geelong property market

• Straightforward terms, fast communication, no surprises

• High levels of repeat and referral business because we deliver​

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