Property Finance
Refinance property-secured debt onto sharper terms, faster.
Roll an expiring facility, a maturing bridge or messy debt onto cleaner terms — placed across our panel for business borrowers.
Refinance without the bank runaround.
Facilities expire, bridges mature, and circumstances change — often faster than a bank can re-approve you. We arrange business-purpose refinances and place them with the right funder from our panel of 50+ non-bank and private lenders, so a looming deadline doesn't become a forced sale.
We refinance commercial, investment and development debt — taking out an existing 1st mortgage, consolidating multiple facilities, or moving off an expensive short-term loan onto something sharper. This is finance for investors, developers and business owners with an ABN and a genuine business purpose.
Because we see the whole panel, we can match your asset, income profile and exit to a lender that prices it well — and we move quickly when a maturity date is bearing down. Indicative answer within 24 hours, settlement in days.
Why refinance through X Private.
Beat the maturity deadline
An expiring or called facility is exactly what we move fast on — indicative answer in 24 hours.
50+ lenders compared
We place the refinance with the funder that prices your asset and profile best, not just your current bank.
Consolidate messy debt
Roll several facilities into one cleaner, property-secured loan with a single repayment and clear terms.
Up to 90% LVR
Release equity as part of the refinance where the asset and business purpose support it.
Exit a costly short-term loan
Move off a maturing bridge or caveat onto a longer, sharper facility once the project stabilises.
Lenders the banks aren't
Complex income, recent arrears or an unusual asset — we place refinances the banks won't touch.
What we refinance.
If it's property-secured and for a business purpose, we can usually re-place it. Common scenarios:
- Expiring or called bank facilities
- Maturing bridging or short-term loans
- Consolidating multiple property loans
- Cashing out equity for a business purpose
- Investment and commercial property debt
- Development debt rolling to a hold facility
- Clearing tax or supplier arrears via refinance
- Moving off a high private rate once the deal de-risks
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place your refinance with the most suitable funder from our panel of 50+ non-bank and private lenders and manage it to settlement.
No — everything we arrange is for a genuine business purpose. We refinance investment, commercial and development debt — not a home you live in.
Yes, where there's equity and a genuine business purpose for the cash-out — for example working capital, the next deal, or clearing business debt. We'll show you what each lender will allow.
Quickly. A looming maturity is one of the most common reasons borrowers come to us. You'll have an indicative answer within 24 hours and we prioritise lenders who can settle before your deadline.
Often, yes. Our non-bank lenders look at the asset, the exit and the story, not just a credit score. We're upfront about what's achievable before you apply.