← Loan Options
Private Lending
Explore short-term lending pathways for time-sensitive or non-standard scenarios.
Who this may suit
Borrowers who need to move quickly on a property purchase
Those who do not currently meet standard bank lending criteria
Borrowers with a clear exit strategy (refinance or sale)
Bridging scenarios where traditional timing does not fit
Developers or investors requiring short-term finance
Common use cases
Urgent property purchase before refinance approval
Bridging between buying and selling a property
Short-term finance while awaiting bank approval
Non-conforming or complex income scenarios
Second mortgage or mezzanine finance
Fast settlement scenarios with clear exit plan
Documents commonly required
Valid photo ID
Details of the property being used as security
Current valuation or rates notice for the security property
Evidence of exit strategy (e.g. sale contract, refinance approval or letter of offer)
Existing mortgage statements for the security property
Statement of financial position — assets and liabilities
Details of any other loans, caveat or charges on the security
Important considerations
Private lending typically involves higher interest rates than standard bank lending
Loan terms are usually short — commonly 3 to 24 months
A clear and credible exit strategy is essential — lenders will require evidence
Establishment fees and other costs are common — review total cost carefully
Second mortgage positions carry additional risk for the borrower
Private lending is not suitable for long-term borrowing needs
All lending subject to lender assessment, security valuation and final approval
Ready to explore your options?
Start a lending enquiry
No obligation. Takes 60 seconds. Secure & private.
Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.