This website operates to introduce you to our services. We assist property owners and property buyers with suitable loans for properties located across Australia for property purchases, refinancing of existing loans, construction and development of property and loans that release equity in property and land. Loans are available for a wide range of residential and commercial properties including all types of land. All loans are secured by registered mortgages, registered 2nd mortgages and/or caveats.

Any information on this site is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. None of the information on this site is to be deemed an offer, solicitation, endorsement, or recommendation for any of our loan products, service or security. You should seek independent legal, tax, financial or other professional advice that considers your specific objectives, financial situation, and particular needs. Terms and conditions, fees and charges are available on application. All applications are subject to our normal credit approval criteria. Private Lending Pty Ltd does not hold an Australian Credit Licence (ACL). Private Lending Pty Ltd is not an Authorised Credit Representative of an ACL holder. Private Lending Pty Ltd is not the holder of an Australian Financial Services Licence (AFSL).

Business and Company applicants seeking private loans and caveat loans from us are required to be a brand new or established Pty Ltd Company or Family Trust with a brand new or established Corporate Trustee. Use of funds always needs to be demonstrated and must predominantly be for business purposes i.e more than 51% is for business. Borrowers seeking private loans may be required to complete appropriate documentation declaring the use of funds. For these loans we require at least 2 proposals to repay the loan, when it comes time i.e sale of property, refinance to a new lender (with documentary evidence), paid out by business cashflow etc.

Valuations may be required on property as determined by us and the LVR being requested. Valuations are at the applicants expense unless otherwise advised. The valuation fee will be quoted by us and payment is required prior to finalising a formal loan approval.

Fees: We charge fees and these are advised in the initial indicative quote. In addition, the legal fee schedule will be quoted in the formal loan offer. All fees, except the valuation fee and legal fee refundable deposit, will be added to the loan and deducted at loan settlement upon request.

Estimators: for unencumbered property, property being refinanced, release of equity, caveat loan limits etc are provided to assist borrowers determine borrowing capacity, acceptable lvr's, acceptable locations, indicative mortgage amounts, indicative net loan amounts and more. The results are indicative only and may be subject to valuations. These are provided as a guide only and are not to be viewed as conditional loan approvals.

Australian Financial Complaints Authority (“AFCA”)

Services provided by Private Lending Pty Ltd does not qualify among ‘financial firms’ covered in the AFCA Act. As such, services we provide are not regulated. This means that the AFCA has no jurisdiction over the performance of services we provide and the AFCA is not available as a resource for any complaints related to these services. Private Lending Pty Ltd is not a member of AFCA.

Private Lending Pty Ltd owns and operates this website and the equitylenders.com.au domain name. The ABN is 91 651 872 801.