First mortgage

First mortgage finance

Facilities secured by a first registered mortgage over residential, commercial or industrial property. Placed across a panel of private and institutional funders who assess the asset and the exit rather than running your file through a scorecard.

I'm looking for
$1,500,000
$100K$10M+

No obligation. No impact on your credit. Your details stay private.

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Where a first mortgage facility fits

  • The purchase or refinance of an investment or commercial property
  • Releasing equity from a property you already own to fund something else
  • Business purposes where property is available as security
  • Situations where the timeframe is too short for a bank process
  • Borrowers whose income is real but doesn't present neatly on a bank template

What we'll ask you for

  • The security property, its approximate value, and any existing debt
  • How much you need and what it's for
  • How the facility gets repaid — sale, refinance, or income
  • Basic information on the borrowing entity

All of our lending is for business or investment purposes and secured by property. We don't arrange consumer credit or unsecured lending.

Common questions

What's the difference between a private and a bank first mortgage?

Banks price sharply but assess against a rigid template and move slowly. Private funders price for speed and flexibility, and weight the security and exit more heavily. Neither is universally better — the right choice depends on your timeframe, the asset and how your income presents.

What LVR can I expect?

It varies with the asset type, location and the strength of the exit. Residential in a metropolitan area supports a higher LVR than specialised or regional security. We'll give you an honest indication once we know the property.

Do you charge the borrower a fee?

Fee structures vary by lender and deal. Whatever applies to your transaction will be set out clearly before you commit to anything — no surprises at settlement.

Is a first mortgage always the right structure?

No. Depending on the existing debt and the timeframe, a second mortgage or caveat facility may fit better. We'll tell you which structure suits rather than pushing you toward one product.

Also arranged by Cross Harbour Finance

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Talk it through

Tell us the asset, the amount and the timeframe. You'll get a straight answer early — including if it doesn't stack up.

Get started
Construction site of a building under development Handshake closing a deal