Private Lending Toowoomba & the Darling Downs

Seize Opportunities in Queensland’s Fastest-Growing Regional Market

Toowoomba, The Garden City, is Queensland’s second-largest regional centre and a hub of opportunity. With rapid population growth, strong rental yields, and increasing property values (9–19% year-on-year), it’s a hotspot for investors, developers, and owner-occupiers alike.

​

Innovate Funding offers fast, bespoke private lending solutions across Toowoomba and the Darling Downs. Whether you’re capitalizing on subdivision zones, investing in growth suburbs, or need urgent funding for renovation or DA work, we provide asset-backed loans with approvals in as little as 24 hour

​

Why Private Lending Works in Toowoomba

• Growth on the Horizon: Major infrastructure such as Wellcamp Airport and the Second Range Crossing is boosting demand and land values.

• Scarcity in Supply: Rental vacancy rates remain extremely low, and developers are releasing hundreds of new lots to meet demand.

• Strong Capital Returns: Median house values (~$524K) are up 9.5%; units are up nearly 19.4% in 12 months.

• Banks Move Too Slowly: For flexible, time-sensitive property strategies, private lending offers speed and structure traditional lenders can’t match.

​

Our Lending Options

• First Mortgages – Ideal for acquisitions or refinancing, up to 65% LVR.

• Second Mortgages / Equity Release – Tap into your property's value up to ~75% combined LVR.

• Bridging Finance – Quick loans to secure property and avoid settlement delays.

• Development & Subdivision Funding – Structured support from DA stage to civil works.

• Business-Purpose Loans – Capital for local business expansion using property security.

​

Loan Snapshot

​

 

 

 

​

 

Local Examples

• Darling Heights Subdivision: $1.5M bridging loan to secure a site while awaiting DA approval.

• Highfields Renovation: $700K second mortgage used to finish and flip a period build.

• CBD Commercial Infill: $900K first mortgage fast-tracked to secure a strata-offer in a tight market.

​

Frequently Asked Questions (Toowoomba)

Is private lending safe and legal in Toowoomba?
Yes, it is a fully regulated, widely-used alternative for business and investment lending.

​

How quickly can you fund me?
Approvals often within 24 hours, with settlements usually in 2–3 business days depending on documentation.

​

What types of properties qualify?
Homes, development sites, rural land, and commercial or mixed-use properties across Toowoomba and surrounds.

​

Can you fund if a bank won’t?
Yes, we focus on asset quality and exit strategy over traditional credit checks.

​

What’s the typical LVR?
Up to 65% first mortgage, and ~75% combined with second mortgage structures.

​

Do you offer personal loans?
No. All products are strictly for business or investment purposes.

​

Why Choose Innovate Funding?

• Deep insight into Toowoomba’s evolving property sectors

• Quick, straightforward execution, ideal for regional markets

• Trusted by local brokers, developers and professionals

• No hidden fees and flexible structures that align with your project