1st Mortgage Private Loans
First mortgage funding from private and non-bank lenders when the bank is too slow, too rigid, or has said no. Assessed on the property and your exit — not a documentation checklist.
Key Features
Up to 75% LVR
Against completed metro property, with regional considered on certain deals
Low-Doc Assessed
BAS, accountant letters, and bank statements in place of full financials
$250k to $20m+
From $250,000 net funds through to major facilities
Terms 3-36 Months
Interest capitalised or serviced, matched to your exit
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFirst Position, Fast Decisions
A private first mortgage puts a non-bank lender in first position on your property in exchange for speed and flexibility a bank cannot offer: indicative terms in days, low-doc income assessment, prior credit events considered in context, and settlements timed to your deadline rather than a credit queue.
Typical uses include auction purchases the bank cannot settle in time, refinancing away from a lender that has issued a demand, clearing ATO debt to open a path back to bank finance, and equity release for business investment. Residential, commercial, industrial, and retail security is all considered.
Straight Answers on Cost and Fit
Private first mortgages cost more than bank debt — that is the trade for speed and flexibility, and it only makes sense with a defined exit measured in months. We put every cost in writing before you commit and tell you honestly when waiting for a bank would serve you better.
Our minimum is $250,000 in net funds and all lending is for business or investment purposes. Because we broker across bank, non-bank, and private panels, the deal other brokers could not place is often one we can — including low-doc, regional security, and credit-impaired scenarios on certain loans, subject to lender criteria.
Discuss Your 1st Mortgage Private Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Important — Private Lending Risk Disclosure
Private lending and short-term secured finance involves risks that differ from standard bank lending. Please read this notice carefully before proceeding.
Fees: Brokerage fees become payable upon your signing of the letter of offer. At our discretion, we may allow deferral of payment until settlement — but this does not waive or reduce the obligation to pay. Commitment fees, valuation fees, legal fees, and other costs may be incurred from engagement and are payable regardless of whether the facility proceeds to settlement.
Security interests: Lenders will register a mortgage or caveat over the secured property as a condition of approval. Andorra Private, as your broker, may also hold a registered security interest over the property for unpaid broker fees. These interests remain registered until the loan is settled or all outstanding fees are paid.
We strongly recommend you obtain independent legal and financial advice before signing any loan or fee documents.
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.