Private Lending Melbourne

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

Melbourne’s market moves from inner-city apartments and prestige homes to townhouse infill, mixed-use, and industrial. When bank timelines don’t keep up, private lending lets you act fast.

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Innovate Funding provides asset-backed private loans across Greater Melbourne and regional Victoria: first mortgages, second mortgages, bridging finance, equity release and development funding. Whether you’re acquiring in South Yarra, finishing a build in Brunswick, or bridging a purchase in Brighton, we deliver the capital you need, when you need it.

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Why Choose a Private Lender in Melbourne?

• Speed: Approvals in ~24 hours; settlements in 48–72 hours

• Flexibility: Asset & exit-driven lending, not red-tape

• Equity Access: Unlock Melbourne’s strong property values quickly

• Bank Alternatives: Bridging, top-ups and subdivision finance banks often won’t do

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Innovate Funding – Competitive Rates & Fast Decisions

• First mortgages from 8.75% p.a.

• Second mortgages typically 1–2% per month

• Transparent fees and flexible exits (including capitalised interest where suitable)

Our capital network + local insight often mean sharper pricing or higher usable LVRs than boutique lenders without the wait.

Get a Melbourne rate quote »

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Who We Help

• Developers: Subdivision, DA/permit approvals, duplex/townhouse builds

• Investors: Equity release, refinancing, quick acquisitions

• Business Owners: Short-term cashflow secured against property

• Brokers / Accountants / Solicitors: Fast, practical solutions for clients banks decline

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Private Lending vs Bank Finance (Melbourne)

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What We Fund

• First Mortgages – up to 65% LVR (purchases, refi, build kick-offs)

• Second Mortgages / Equity Top-Ups – often ~75% combined LVR

• Bridging Loans – buy before you sell; meet tight settlements

• Subdivision & Development Finance – permits, early works, staged construction

• Commercial & Business-Purpose Loans – secured against Melbourne property

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Loan Sizes & Terms

• Amounts: $50,000 – $20M+

• Security: Residential, commercial, mixed-use, industrial, development

• LVR: Up to 65% first, ~75% combined with a second

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

• Terms: 3–12 months, with flexible/early exits

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Melbourne Case Studies

• Brunswick Townhouses (Second Mortgage): $1.0M top-up to complete a 4-pack; refinanced to a bank after presales.

• South Yarra Bridging: $1.8M bridge at 60% LVR to secure an off-market apartment block while existing stock sold.

• Dandenong Industrial (First Mortgage): $2.2M rapid settlement on an owner-occupier warehouse; interest partially capitalised.

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Areas We Service (Greater Melbourne)

Inner City: Melbourne CBD, Southbank, Docklands
Inner North: Carlton, Fitzroy, Collingwood, Brunswick, Northcote
Inner East: Richmond, Hawthorn, Kew, Camberwell
Bayside & South East: St Kilda, Elwood, Elsternwick, Brighton, Bentleigh, Caulfield, Malvern, Carnegie, Chadstone, Clayton, Oakleigh
West & Growth Corridors: Footscray, Yarraville, Seddon, Sunshine, Werribee, Tarneit
Outer East & Industrial: Box Hill, Ringwood, Scoresby, Dandenong
Mornington Peninsula: Frankston, Mount Eliza, Mornington, Mount Martha, Rosebud

We also fund across regional Victoria on a case-by-case basis.

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FAQs – Private Lenders Melbourne

Are private loans legal in Melbourne?
Yes private lending is a legitimate, regulated alternative to bank finance for business or investment purposes.

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How fast can I get approved and funded?
Approvals often within 24 hours; settlements typically 48–72 hours (documents permitting).

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What properties do you accept as security?
Residential, commercial, mixed-use, industrial and development land across Melbourne & regional VIC.

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Do you lend if a bank has declined me?
Yes our focus is the asset and exit strategy, not just credit scoring.

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What LVR can I expect?
Typically up to 65% first mortgage, and ~75% combined with a second mortgage on strong assets.

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Do you offer consumer loans?
No business/investment only.
 

How It Works

1. Enquire – Share your scenario by form, phone or email

2. Quick Assessment – We review asset, equity, and exit

3. Receive Terms – Clear, competitive, tailored

4. Settle Fast – Approvals in 24 hours; funds in days

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Why Innovate Funding?

• Trusted by brokers, accountants, and solicitors

• Significant capital deployed across VIC projects

• Clear documentation, quick communication, no hidden fees

• Repeat clients and referrals because we deliver