Private Lending Canberra

Fast, flexible loans for ACT property owners, investors & developers

Canberra’s property market is unique – combining government-backed demand, new transport infrastructure, and ongoing infill development across the ACT. Opportunities move fast, but banks can take weeks to approve funding.

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Innovate Funding provides asset-backed private loans in Canberra and the ACT, giving you access to capital when timing matters most. Whether you’re purchasing land, releasing equity, bridging a settlement, or funding development works, we deliver approvals in as little as 24 hours.

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Why Private Lending Works in Canberra

• Speed when timing matters – indicative approvals in 24 hours; settlements in 2–3 business days.

• Flexible criteria – asset-driven, not just credit-score focused.

• Supports ACT infill & townhouse projects – private lending fits Canberra’s zoning and mid-rise infill opportunities.

• Alternative to banks – bridging, second mortgages, and DA funding that banks often avoid.

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Our Lending Solutions in Canberra

• First Mortgages – up to 65% LVR, ideal for site acquisition, refinance or construction.

• Second Mortgages / Equity Release – top-ups behind existing loans, pushing combined LVR to ~70%.

• Bridging Loans – secure property before settlement of your existing home or asset.

• Subdivision & Development Finance – DA, planning, civil works and staged construction.

• Business-Purpose Loans – use Canberra property to unlock working capital.

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Loan Sizes, LVRs & Terms

• Amounts: $50K – $20M+

• Security: Residential, commercial, mixed-use and development sites across the ACT

• LVR: Up to 65% first mortgage; ~70% combined with a second mortgage

• Rates: From ~8.75% p.a. (first); ~1–2% per month (second)

• Terms: 3–12 months, with flexible exit options

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Canberra Scenarios

• Gungahlin Townhouses: $2.2M first mortgage to fund civil works and construction.

• Kingston Waterfront Bridging: $1.5M bridge loan at 60% LVR to secure an apartment before selling an existing property.

• Belconnen Equity Release: $850K second mortgage to unlock funds for business growth.

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Areas We Service

• Canberra

• Kingston

• Belconnen

• Gungahlin

• Tuggeranong

• Woden Valley

• Braddon

• Manuka

• Deakin

• Dickson

• Lyneham

• Yarralumla

• Barton and projects across the wider ACT and Queanbeyan.

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FAQs – Private Lending Canberra

How much can I borrow in Canberra?
From $50K up to $20M+, depending on property and deal structure. Typical limits: 65% LVR first mortgage and ~75% combined with a second.

 

Will you lend if my bank said no?
Yes. We focus on property equity and exit strategy, not strict bank serviceability.

 

How fast is the process?
Approvals in 24 hours, settlement within 2–3 business days if docs are ready.

 

What property types qualify?
Residential homes, apartments, townhouses, commercial assets and development land.

 

Do you provide personal loans?
No. Funding is strictly for business or investment purposes only.

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Why Innovate Funding

• Local knowledge of Canberra’s property and development market

• Speed and flexibility trusted by brokers, investors and developers

• Transparent terms and no hidden fees

• Strong track record with repeat and referral clients