Fast, flexible funding for complex property, business, and investment needs.
At Alpha1 Financial Solutions, we arrange private mortgage loans for property developers, business owners, and investors who need certainty of execution. By focusing on property value and timelines rather than lengthy bank processes, we deliver faster, more adaptable funding.
Private mortgage lenders are non-bank individuals or institutions that provide short-term property loans secured by real estate. Unlike banks, approval is based primarily on property value and available equity, rather than strict credit or income requirements.
This makes private mortgages an effective option for borrowers who need fast approval, flexible terms, or funding in situations where mainstream lenders won’t assist.
Speed
Indicative offers in days, not weeks – critical for auctions, urgent settlements, or bridging gaps.
Flexible credit approach
Greater tolerance for complex income structures, past credit events, and non-standard borrowers.
Asset-based lending
Approvals driven by property value and equity, with first or second mortgages available up to lender LVR limits.
Tailored terms
Options for interest-only, rolled-up, or prepaid interest, plus short terms structured around clear exit strategies.
At Alpha1 Financial Solutions, we arrange a wide range of private mortgage loans tailored to complex or time-sensitive needs:
Private mortgage lending isn’t just for borrowers turned away by banks, it’s for anyone who needs speed, flexibility, and certainty of execution. At Alpha1 Financial Solutions, we help clients with complex circumstances or time-sensitive opportunities where mainstream lenders fall short.
At Alpha1 Financial Solutions, we provide a transparent, step-by-step process to keep your project moving:
Step 1: Discovery Call
Discuss your property, loan purpose, and exit strategy.
Step 2: Rapid Assessment
Review equity, security, and any existing mortgages.
Step 3: Indicative Terms
Receive terms outlining LVR, loan amount, pricing, and conditions.
Step 4: Valuation & Due Diligence
Confirm property value and complete legal checks.
Step 5: Documentation & Settlement
Loan documents issued and funds released.
Step 6: Loan Exit
Repaid via refinance, property sale, or project cash flow.
When it comes to private lending, certainty matters. At Alpha1 Financial Solutions, we combine deep finance and legal expertise with a commitment to helping clients achieve fast, flexible funding outcomes.
We’ve helped hundreds of clients secure fast, flexible funding, many within just 48 hours.
Decades of experience in private mortgage solutions and corporate lending. We understand the complexities of structures, securities, and exit strategies.
Our network of trusted private lenders prioritises outcomes over red tape, so you get answers in days, not weeks.
Every borrower is unique. We take the time to structure loans around your project timelines, cash flow, and exit strategy.
Private lenders are ideal when speed, flexibility or unique circumstances matter. If you’ve been declined by a bank due to poor credit, inconsistent income or need funds urgently (e.g. bridging a property settlement), a private mortgage loan may be a faster and more realistic option.
Yes, but credit history is not the primary factor. Private lenders focus more on the value of your property and your exit strategy. If you have defaults, discharged bankruptcy, or late payments, you may still be eligible, especially if there’s enough equity in your property.
Most private mortgage loans are secured by real estate – residential, commercial or even vacant land or a future development. The property doesn’t have to be owner-occupied, but it must hold enough equity to support the loan amount being requested.
In most cases, funding can be approved and released in as little as 24 to 72 hours after the application is submitted, provided all documents are in place. Private lending is known for its speed compared to traditional lenders, which can take weeks.
