Private Lending Perth

Fast, flexible loans for property owners, developers & investors across WA

Perth is one of Australia’s most dynamic property markets, with strong demand for residential, coastal, industrial and development projects. From high-growth suburbs in the north and south to inner-city redevelopments, opportunities often move faster than banks can keep up. Our private lending in Perth solutions support property investors, developers, and business owners requiring fast, flexible funding across metropolitan and inner-city markets.

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Innovate Funding arranges private lending in Perth and across Western Australia, providing fast, asset-backed finance to help you secure deals, release equity, or complete projects.

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Why Choose Private Lenidng in Perth

We assist clients across Perth, including the CBD, Fremantle, Joondalup, Rockingham, and surrounding metropolitan areas, providing tailored private lending solutions. Our Perth clients choose Innovate Funding for private lending because:

• Speed matters – approvals in 24 hours, settlements in 48–72 hours.

• Flexibility over banks – funding based on your asset and exit strategy, not rigid servicing criteria.

• Strong WA market drivers – resources, migration, and infrastructure projects supporting growth.

• Wide coverage – funding available across Perth CBD, suburbs, coastal areas and regional WA.

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Our Private Lending Solutions

• First Mortgages – Up to 65% LVR, for acquisitions, refinance, or construction.

• Second Mortgages & Equity Release – Access additional funds, often up to ~75% combined LVR.

• Bridging Loans – Buy before you sell or settle time-sensitive transactions.

• Development & Subdivision Finance – Short-term loans for DA approval, civil works, and construction.

• Business-Purpose Loans – Property-secured finance to unlock working capital.

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Loan Sizes, LVRs & Terms

• Loan Amounts: $50K – $8M+

• Security Types: Residential, coastal, industrial, mixed-use, and development land

• LVR: Up to 65% (first mortgage), ~70% combined (with a second pending location)

• Rates: From 8.95% p.a. on first mortgages; 1–2% per month on second mortgages

• Terms: 3–12 months, with flexible exits

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Example Perth Scenarios

• Scarborough Coastal Upgrade – $1.5M bridging loan at 60% LVR to secure a property while awaiting a sale.

• Subiaco Infill Project – $2.2M second mortgage to fund civil works on a townhouse development.

• Osborne Park Industrial Expansion – $3M first mortgage for a commercial acquisition and fit-out.

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Areas We Service

We offer a full range of private lending solutions including first mortgage loans, second mortgages, bridging finance, construction loans, development finance, and caveat loans.

• Perth CBD

• Subiaco

• Scarborough

• Fremantle

• Joondalup

• Osborne Park

• Cottesloe

• Victoria Park

• Rockingham

• Mandurah

• Midland

• Armadale and regional WA (case by case).

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FAQs – Private Lending in Perth

How much can I borrow with private lending in Perth?

Innovate Funding provides loans from $50,000 up to $20M+, with typical LVRs of 65% on a first mortgage and around 75% combined when using a second.

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Can I get funding if my bank declined me?

Yes. We focus on property equity and your exit plan, not just serviceability metrics.

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How fast can I be approved?

Indicative approvals are usually given in 24 hours, with settlement in 2–3 business days.

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What properties do you lend against?

Houses, apartments, coastal property, commercial, industrial, and development land.

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Do you provide personal loans?

No. All loans are strictly for business or investment purposes.

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Why Innovate Funding

• Local understanding of Perth’s unique property market

• Trusted by brokers, developers, and professionals Australia-wide

• Transparent pricing with no hidden fees

• Repeat clients value our speed, flexibility, and reliability