quickfundz
Private lender First mortgage, asset backed

Funding for people who build and buy real assets.

Quickfundz is an Australian private lender. We lend to property developers, asset buyers and business owners against first mortgage security, up to 70% of the property's value. You talk to the lender, not a queue.

Apply now See how it works

One question at a time. Have your bank statements and credit reports ready.

Security plan what we lend against
70% maximum LVR
1st registered mortgage
2 ways to pay interest
Who we fund

Three kinds of borrower. One rule.

Every Quickfundz loan is backed by a real asset. If there is property to secure the loan and a clear way to repay it, we want to hear about the deal.

Property developers

Funding for subdivision and development projects, secured by first mortgage over the site.

  • Settling on a development site
  • Subdivision costs and civil works
  • Carrying a project through to sale or refinance
Apply now

Asset buyers

Funding to buy an asset when the opportunity will not wait for a bank, secured against real property.

  • A purchase with a settlement date coming up fast
  • Buying now, with a sale or refinance to follow
  • Using equity in property you already own
Apply now

Business owners

Funding for your business when you have property to offer as collateral.

  • Capital for the business, backed by property
  • An opportunity that needs funds quickly
  • Assessed on the asset and your plan to repay
Apply now
Loans we write

Eight kinds of loan. All on first mortgage.

Each one has its own page with a worked example, a calculator and the application form.

Development finance

Funding for property development projects, secured by first mortgage over the site. You deal with the lender directly.

Development finance details

Construction finance

A construction loan from a private lender, secured by first mortgage, with funds released in stages as the build progresses.

Construction finance details

Subdivision finance

A land subdivision loan secured by first mortgage over the site, repaid when the new lots are sold or refinanced.

Subdivision finance details

Land bank finance

A loan secured by first mortgage over land you hold for a future project, while you work towards approval, sale or development.

Land bank finance details

Residual stock loans

A loan secured by first mortgage over completed stock that has not yet sold, so you are not forced to discount it.

Residual stock loans details

Bridging finance

Short-term property finance, secured by first mortgage, to cover the time between a purchase or settlement and a sale or refinance.

Bridging finance details

Secured business loans

A private loan for your business, secured by first mortgage over property offered as collateral.

Secured business loans details

Commercial property loans

Short-term finance to buy or refinance commercial property, secured by first mortgage.

Commercial property loans details
How interest works

You choose how the interest is paid. Before you sign.

There are two options, and we set out the full cost of each in writing before you commit to anything.

Option one

Paid monthly

You pay the interest each month during the loan. The amount you borrowed stays the same and is repaid at the end of the term.

Suits Borrowers with income or cash flow to cover the monthly payment.
Option two

Fully capitalised

No monthly payments. The interest is added to the loan and everything is repaid together when the loan ends, usually from a sale or refinance.

Suits Projects where the money comes in at the end, such as a subdivision sold on completion.
Loan calculator

See the cost before you apply.

Move the sliders to see the interest, the fees and the funds you would receive at settlement.

$200,000$5 million

The total loan, secured by first mortgage.

We lend up to 70% of the property's value.

3 months24 months
9% p.a.15% p.a.

Your rate is set when we assess the deal, between 9% and 15% a year.

How you pay the interest
Funds you receive at settlement

Loan amount
Less capitalised interest, compounded monthly
Less fees and outlays
Interest payment each month
Total interest over the term
You repay at the end of the term
Loan to value ratio
What the fees and outlays are

    Apply now

    This calculator gives an estimate only. It is not an offer of finance or a quote. Your interest rate, fees and outlays are confirmed in writing in a letter of offer after we assess the application, the security and the valuation. Fees and outlays shown include GST and are indicative. Quickfundz lends to companies for business and commercial investment purposes only.

    The process

    From application to funds in four steps.

    Apply now
    1. 1

      Tell us about the deal

      Answer the application one question at a time: your company, the property, the amount, what it is for, and your documents.

    2. 2

      We look at the asset

      We assess the security property, the loan to value ratio and how the loan will be repaid. You hear back within 2 business days.

    3. 3

      You get terms in writing

      Rate, fees, term and your interest option, set out plainly, so you know the full cost before you commit.

    4. 4

      Mortgage registered, funds released

      Loan and mortgage documents are signed, the first mortgage is registered and the funds settle.

    What we will ask you for

    The application covers all of this in one go, so we can assess the deal properly the first time.

    • Company detailsThe borrowing entity and its directors
    • Security propertyThe property offered as collateral
    • Use of fundsWhat the loan pays for
    • Bank statementsBusiness statements, last 3 months
    • Credit reportsFor the company and the individual
    Terms at a glance

    The numbers, up front.

    Private lending costs more than a bank loan. What you are paying for is speed and a lender who looks at the asset rather than a scorecard. So you should see the cost clearly before you apply.

    Apply now
    Security
    First registered mortgage
    Maximum LVR
    Up to 70%
    Interest
    Paid monthly or fully capitalised
    Interest rate
    From 9% p.a.
    Loan size
    $200,000 to $5 million
    Loan term
    3 to 24 months
    Fees
    Disclosed in writing before you commit
    Where we lend
    Australia wide
    Questions

    What borrowers ask us first.

    Do you lend without security?

    No. Every loan is secured against property. If there is no asset to back the loan, we are not the right lender.

    What does 70% LVR mean for me?

    LVR is the loan as a share of the property's value. At 70%, a property valued at $1,000,000 can support a loan of up to $700,000.

    What is an exit strategy and why do you ask?

    It is your plan for repaying the loan at the end of the term, usually by selling the property or refinancing. A clear exit is the main thing we look for after the security itself.

    Who decides on my application?

    Quickfundz does. Your application is assessed directly by the lender, and your details are kept private.

    Apply now

    Tell us about the deal.

    One question at a time. Give us the full picture once and we can assess the deal without going back and forth.

    Questions before you apply? Email the credit team. credit@quickfundz.com.au

    Your details go to Quickfundz only and are used to assess your application. Read our Privacy Policy.