Short-Term Finance
Senior property-secured funding, placed fast.
First-mortgage funding with the first claim on the security — the sharpest private pricing, arranged across our panel.
First-ranking finance, sensibly priced.
A first mortgage sits in first position — it has the first claim on the property if anything goes wrong, which is why it carries the lowest rate in the capital stack. We arrange business-purpose first mortgages and place them with the right funder from our panel of 50+ non-bank and private lenders.
Private first mortgages exist for the deals banks can't do quickly or cleanly — short timeframes, complex income, unusual security or a transitional situation — without the bank's months-long process. This is finance for investors, developers and business owners with an ABN and a genuine business purpose, secured by property.
Because we see the whole panel, we place your deal with the lender offering the sharpest first-mortgage pricing for your asset and exit. Indicative answer in 24 hours, settlement in days.
Why arrange a 1st mortgage through X Private.
First-position security
First claim on the property means the lowest pricing in the capital stack for your deal.
Up to 90% LVR
Senior leverage assessed on the asset, location and a clear exit strategy.
Fast, private execution
Indicative answer in 24 hours and settlement in days, without a bank's drawn-out process.
50+ lenders compared
We place the first mortgage with the funder that prices your asset and profile best.
Flexible terms
Short transitional terms through to longer facilities, structured around your repayment plan.
Deals the banks decline
Complex income, tight timeframes or unusual security — placed where a single bank's policy can't.
When a 1st mortgage fits.
Senior, business-purpose, property-secured funding. Common scenarios:
- Purchasing a commercial or investment property
- Refinancing an expiring or called facility
- Releasing equity for a business purpose
- Transitional funding before a bank refinance
- Time-critical settlements the banks can't meet
- Funding against an unusual or specialised asset
- Short-term holds with a clear sale or refinance exit
- Bridging into a development or construction facility
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.
It's a loan secured in first position over the property — the lender has the first claim if the loan isn't repaid. Because that's the safest position, a first mortgage carries the lowest rate in the capital stack.
We're a specialist property finance brokerage: we place first mortgages with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. First mortgages here are for investment, commercial and development purposes, not a home you live in.
Speed and flexibility. When a deal is time-critical, the income is complex, or the security is unusual, a private first mortgage settles in days rather than the months a bank can take — with a clear exit back to bank funding or a sale.
Up to around 90% LVR depending on the property, location and exit, with the exact figure confirmed in your indicative answer within 24 hours.