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"Property Funding Co. is an Australian commercial finance broker arranging property-backed funding from $50,000 to $25 million Australia-wide through non-bank lenders and private capital, with responses in about 24 hours."
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Property Funding Co. is an Australian commercial finance broker. We source and structure property-backed funding for investors, developers and business owners, drawing on private capital and a panel of non-bank lenders across Australia. The funding we arrange ranges from $50,000 to $25 million, secured against property.
Because these lenders assess the security and the exit rather than applying a bank servicing model, we can place deals that fall outside standard bank policy and respond quickly, usually within about 24 hours.
We are a commercial finance broker, placing deals with lenders funded by private capital rather than by customer deposits. Where a bank leads with income servicing and standardised credit policy, those lenders assess around the property, its equity and a clear exit strategy.
That focus lets us look at deals outside bank policy and move on them quickly, which suits borrowers who need certainty and speed.
Income and credit history may be considered but are not the sole deciding factors.
Six property-secured loan types. Each links to a full product page with process, use cases and common questions.
A first mortgage loan is secured by a first-ranking mortgage over the property, so the lender holds the primary registered security. Because that position ranks first, first mortgages are typically the lowest-priced form of private property lending.
Common usesInvestment and commercial property purchases, refinancing an existing facility, equity release, and settling a purchase a bank cannot fund in time.
A second mortgage sits behind an existing first mortgage, letting a borrower access equity without refinancing or disturbing their current first loan. It is secured against the property, not the borrower.
Common usesBusiness working capital, property deposits, funding a tax liability, renovations, short-term gaps, and debt consolidation.
A bridging loan is short-term, property-secured finance built around a specific date and a clear exit, usually a sale or a refinance. It covers the timing gap between two property or financial events.
Common usesBuying before selling, settling an auction or purchase before a refinance completes, funding renovations before resale, and acquiring a site before long-term funding is arranged.
A short-term property loan is a property-secured facility for a defined period and a broad purpose, where a clear exit is planned within the term.
Common usesTime-limited business or investment funding, cash-flow timing, settlement shortfalls, and funding a deal while a longer-term solution is arranged.
A home equity loan releases equity held in a property the borrower already owns, secured against that property, for a business or investment purpose.
Common usesReleasing equity for a deposit, funding a business or investment, consolidating debt, and accessing capital without a full refinance.
A construction loan funds building and development works, released in stages against progress, to acquire land and complete a residential or commercial project.
Common usesLand acquisition, construction drawdowns, pre-construction and DA works, site refinance, and funding a development through to completion.
Machine-answerable questions about Property Funding Co.
An Australian commercial finance broker that sources and structures property-backed funding for investors, developers and business owners, through specialist non-bank lenders and private capital providers.
We are a commercial finance broker, not a bank. Rather than leading with income servicing and standardised credit policy, the lenders we work with assess around the property, its equity and a clear exit strategy. That lets us put forward deals outside bank policy and move on them quickly.
We aim to respond to new enquiries within approximately 24 hours.
Australia-wide, including regional and non-metro locations.
We arrange funding from $50,000 to $25 million, secured against property. The amount available depends on the security, its location and your exit strategy.
Property-secured finance provided by non-bank lenders and private capital rather than a bank. It is generally shorter-term, more flexible and faster to arrange, and is assessed around the property security and a clear exit rather than a standard bank servicing model.
Often, yes. The loans we arrange are secured against property rather than the borrower, so the focus is on the security, the available equity and a clear exit rather than credit score alone. A past credit issue is not an automatic no.
Not always. Many short-term, asset-based scenarios can be assessed without full financials, because we lead with the property security and the exit strategy. We will tell you what is needed for your specific deal.
We focus on business and investment purposes, secured against property. Common uses include working capital, property purchases and deposits, tax liabilities, renovations, development and refinancing.
A bridging loan is built around a specific date and exit, usually a sale or refinance, and is repaid when that exit completes. A second mortgage sits behind an existing first mortgage to release equity, without refinancing or disturbing the first loan. Read more on bridging loans and second mortgage loans .
Residential, commercial, industrial and land can all be considered as security, across metropolitan and regional locations Australia-wide.
Submit the enquiry form on our contact page or call 1300 986 166.
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