Loans. 2nd Mortgages. Fast Caveats.
fr $30k to $10m per borrower today!

Priv 1st Mtg's fr 0.95%1pcm - 2nd Mtg's fr 1.66%1pcm - Caveats fr 1.75%1pcm

do i qualify for a loan - fast free quote

Call from 8am to 9pm Mon-Sun and speak to approval manager Rob Kirk

1300 859 075

You pay $0 upfront fees and $0 commitment fees. A valuation fee may be required depending on lender

Specialists in $30,000 to $10,000,000+ private mortgage & caveat loans, 2nd mortgages, bridging loans & very, very urgent loans* (*secured by same-day caveats, personal property i.e cars, boats, collections). If your requirement is: property equity release, property purchase, business purchase, refinancing of loans & caveats, financing of commercial notices to complete, financing development of property, business expansion, funding a wind-up notice, avoiding company liquidation, to increase cash-flow, to pay ATO or other work related expenses eg. wages, legal fees, advertising etc, fund pre-insolvency, payment of council approvals, head works etc -- then your search has absolutely taken you to the right website!

*An engagement fee may apply for very, very urgent loans
Credit reports

We are difficult loan specialists and don't focus on credit history. Personal credit reports not required on private loans

Business advisory

Complimentary assistance, strategies, timing and advice to first time business owners and family trusts wishing to access property equity. fact-sheet

Save on loan fees

We, and our private lenders, don't charge establishment fees, commitment fees or application fees - many of our competitors do!

Longer loan terms

Min 2 months to 7 years for private loans. Suitable for consumers and most types of business owners

Tell us now online

or take just a few minutes to download and complete our editable pdf app-form for a detailed submission

Private Loans for Corporate Trustees of
Family Trusts, Self-employed Business Owners with or without a Pty Ltd Company, Employees & ABN Holders

A large range of private and non-bank funding solutions are on offer to homebuyers and homeowners, business owners and company owners, ABN holders, SMSF's and Corporate Trustees of Family Trusts. Our clients don't have financials, may have paid or unpaid credit defaults, have Judgments or current and previous loan arrears, are recently out of bankruptcy including part 9 or part 10, require equity released from existing property, want to consolidate debts, payout ATO debts, cannot get a bank or non-bank loan, are too old for a traditional loan, need to refinance existing 1st mortgage private loans, 2nd mortgages or caveat loans. Whatever your situation, it's very likely we may be the only finance brokerage in Australia with a loan solution that can assist your specific situation.

Download an application pack, complete, scan back and be ready for a call and loan offer.

Our Private Loan interest rates are often cheaper than Credit Card rates
from 11.40%1 per year

We offer loans from Australia's better private lenders suitable for most situations and they want to lend to you! It may be for a property purchase or against the equity in an existing property. For these types of loans, we skip all the red tape and paperwork involved with traditional lenders and Banks allowing our lenders to approve and settle very fast when others cannot - usually within 48-36 hours. Private loans are secured on a range of property including Residential, Commercial, Retail and Vacant Land. Loans are available in all capital cities and many regional areas (on a case by case basis).

1Discounted rates vary from lender to lender and subject to availability at time of application

  • No upfront non-refundable commitment fees!

  • Make no repayments for up to 24-months or pay at the end using available equity

  • Bi-annual and annual rollovers for further terms

  • Fees and interest included in the loan - borrow all of it!

Why a loan from Platinum Mortgages is your smartest choice

Funds available

Our funding lines are high value. From $30,000 to $10,000,000+. We have lenders to suit most situations and can lend across Australia. Fast & very, very urgent caveat funding lines available

Points of difference

22+ years of proven lending experience. No business financials, tax returns, profit and loss, balance sheets or accountant letters required. BYO vals often accepted*

Acceptable security

Residential, industrial, commercial, land banks & rural. Specialised including plant and equipment, vehicles, boats and company fixed and floating charges. Ask us!

Fast settlements

As soon as your loan is indicatively approved and lender conditions satisfied, funds into your nominated account within hours! Need urgent funds in 48+ hours?

Working
capital

Creditor
payments

ATO/BAS
obligations

Business
expenses

Business investment
and expansion

Private Funding
Property and Business

Save time & money - Platinum Mortgages ticks all the boxes!

Platinum Mortgages is a leading Mortgage Originator, Mortgage Broker and Caveat loan provider. Our loans and fast caveats are designed for PAYG employees, self-employed business owners with and without a company, family trusts, ABN holders, SMSF's and retirees (60+). Our private loans and caveat loans have no limitations on a borrowers age and no requirement to demonstrate income. Our loans and caveats are provided by private lenders including mum and dad SMSF's and institutions. Platinum's been in the mortgage business since 1996. A comprehensive range of private funding lines are in place with a strong track record of successfully assisting buyers and property owners with all types of loans and caveats. Our ongoing FirstLook offer ensures all of our private loans have interest rates and fees that are considered best-in-market.

***Our private lenders will do whatever it takes to make sure they're your lender***

Private 1st Mortgages
Interest Rates 1
  • Lenders from:
    0.95% pcm
  • Rates typically range:
    1% - 1.25% pcm
  • Applicable Fees
    Lender, Legals, Valuation (if applicable) & Brokerage
  • Term
    Min 2 months - No limit
  • Amounts
    $30,000 – $10,000,000
  • Max LVR
    Varies from lender to lender - no set limits
  • Locations
    All Capital Cities & most Regional Towns
  • Valuations
    Platinum at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender (may not be req'd for personal NCCP borrowers and Pty Ltd borrowers)
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Fast 2nd Mortgages
Interest Rates 1
  • Lenders from:
    1.66% pcm
  • Rates typically range:
    1.75% - 2.5% pcm
  • Applicable Fees
    Lender, Legals, Valuation(s) (if applicable) & Brokerage
  • Term
    Min 2 months - No limit
  • Amounts
    $30,000 – No limit
  • Max LVR
    Varies from lender to lender - no set limits
  • Locations
    All Capital Cities & most Regional Towns
  • Valuations
    Platinum at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender (may not be req'd for personal NCCP borrowers and Pty Ltd borrowers)
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Fast Caveat Loans
Interest Rates 1
  • Lenders from:
    1.75% pcm
  • Rates typically range:
    2% pcm - 3% pcm
  • Applicable Fees
    Lender, Legals, Valuation(s) (if applicable) & Brokerage
  • Term
    Min 2 months - No limit
  • Amounts
    $30,000 – No limit
  • Max LVR
    Varies from lender to lender - no set limits
  • Locations
    All Capital Cities & most Regional Towns
  • Valuations
    Platinum at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence may be required by lender (may not be req'd for personal NCCP borrowers and Pty Ltd borrowers)
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan
Very, Very Urgent Caveat Loans
Interest Rates 1
  • Lenders from:
    2% pcm
  • Rates typically range:
    3% pcm - 5% pcm
  • Applicable Fees
    Lender, Legals, Valuation(s) (if applicable), Brokerage +Engagement
  • Term
    Min min - No max
  • Amounts
    $30,000 – No limit
  • Max LVR
    Varies from lender to lender - no set limits
  • Locations
    All Capital Cities & most Regional Towns
  • Valuations
    Platinum at time of your initial enquiry will advise if a valuation is req'd and type of valuation req'd. Valuation types include: Sworn, Exempt, Desktop, Agent Appraisal. BYO considered
  • Exit Plan (paying back of loans)
    Refinance, sale of asset/stock, working capital, inheritance, outstanding work/invoices, commissions due
  • Loan Purpose - documentary evidence not required
    Starting a business, business bond, business taxes, purchase or investment in business assets, business stock, business equipment, business invoices, purchase of shares, refinancing a margin loan

Fast 1-2 hour loan offers
Fast processing. Fast decisions. Fast settlements!

We know your requirements for funds may be urgent. That's why we get to Yes FAST and transfer without delay

  • Tell us your requirements by clicking here

    Robert will immediately assess your loan request and present you with a preliminary quote i.e amount available, estimated interest rate and a fee schedule. Allow 1-2 hours

  • You accept our quote and wish to proceed

    Application form is processed, valuation ordered & documentation requirements returned. An indicative loan offer is issued by the lender. Allow 1-2 days

  • You accept our loan offer
    - prepare for settlement

    Put your Solicitor on standby to receive your loan agreement, attend to lender & solicitor requirements, sign-up then get ready for settlement funds to be transferred. Allow 1-2 days

Who are Platinum Mortgages clients?

Unemployed, PAYG salaried employees, self-employed with or without a Pty Ltd Company, Family Trusts with and without a Corporate Trustee, ABN Holders, SMSF Trust's and Non-residents. Also included are business owners that do not have financials or tax returns. May have missed one or more loan repayments, have credit defaults, court judgements or are recently out of bankruptcy. Are a new business without trading history. Already have a 2nd mortgage or caveat loan and require an urgent or non-urgent refinance or rollover for further terms. We don't judge or discriminate.

I required a very, very urgent bridging loan to make sure we didn't lose our $100,000 deposit. Robert dropped everything and provided me with a Caveat loan from a private lender in Perth that didn't require valuations and ignored maximum lvr's. Click here to read how Platinum Mortgages was the only one that assisted me when nobody else I contacted could!

Self-employed Contractor

Brisbane

A large land site approved for 65 lots became available from the receivers. I required a 1st mortgage private land loan with 6-months prepaid interest and fees to give me time to develop. Click here to read how Platinum Mortgages was able to assist me to make sure I didn't miss out on this limited opportunity!

Property Developer

Perth

I wanted to sell one of my two Sydney homes. The home needed minor renovation work before listing on the market. And, I needed to have selling expenses on hand. I'm not employed, no company or ABN. I required a loan in my personal name. Click here to read how Platinum Mortgages provided funds to assist me

Unemployed Homeowner

Sydney

We wanted to renovate our home, consolidate our loans and credit cards, repay loans to family members, repay overdraft and pay staff super. A 2nd mortgage for $100k in the hand was required. Click here to read our story on how Robert provided a 12-month private loan

Franchisees

Brisbane

I'm an owner of a bait and tackle shop in a coastal WA town. I took the wrong loan to grow the business and now find I can no longer afford the repayments. I need to refinance to a lower rate. Robert was able to refinance my high rate loan with a low rate private loan. Click here and read how Platinum Mortgages changed my loan over and saved my business

Shop Proprietor

Western Australia

My company develops raw land into saleable parcels of land and deals exclusively with blue chip companies and conglomerates. I needed to deal with a specialist broker that was capable of providing our company with a number of large private loans up to 10 million. Click here to read how Platinum Mortgages assisted us with our requirements!

Land Developer

Australia-wide

What is a Caveat?

A Caveat provides a fast and seamless means of settling a short-term loan. Secured by way of a registered Caveat, this facility is available to any homeowner that wishes to retain their existing 1st mortgage and 2nd mortgage but require a short-term line of funding beyond their current credit provider’s capacity. Short-term Caveat loans are generally only available for business purposes.

Caveat loans are basically like a mortgage or charge over one or more of your properties. You receive funds and the lender puts a charge over your property to secure the repayment of the debt. They can typically be behind another mortgage over your property.

Caveat loans are usually used for real estate dealings or business dealings. If you are stuck in the short-term requiring funding and settlement of a pending matter will take months, Caveat loans can come to the rescue in providing you with the cash required, secured over your new or existing property. Caveat loans are often borrowed by property owners, project managers, businessmen or other borrowers who realise they cannot afford to miss out on funding.

What is a Mortgage?

A mortgage is actually not a loan as most people would think. It is a registrable form of security that can guarantee the payment of a debt or loan. A mortgage creates a security interest (legal claim) in the property with the home owner (also known as the mortgagor).

A mortgagee (the lender in a mortgage, typically a bank or private lender) does not have title to or possession of the property. But if a borrower (aka mortgagor) is in default on a loan, the lender (aka mortgagee) can exercise certain remedies if the borrower defaults.

An unregistered mortgagee does not automatically have statutory powers to sell the property as a registered mortgagee. It is not uncommon for banks and lenders (mortgagees) to send borrowers with letters of demand requesting payment of the loan before seeking to enforce their rights through court.

The following remedies are available to a mortgagee when the mortgagor defaults:

  • Take possession of the property occupied by a tenant by giving the tenant a written notice explaining that the mortgagee is taking possession and that the tenant now pays the rent to the mortgagee; or
  • Bringing Court proceedings against the mortgagor for:
  • possession of the property
    selling the property
    obtaining a monetary judgment
    obtain an order for foreclosure

    If you would like to know more about Mortgages and Caveats and how they operate or effect you, you are urged to seek your own legal advice.

The National Consumer Credit Protection Act 2009, or NCCP, is legislation that’s designed to protect consumers and ensures ethical and professional standards in the finance industry. Lenders and mortgage brokers must hold a credit licence or be registered as an authorised credit representative. The NCCP is regulated and enforced by ASIC in accordance with the National Credit Code(NCC).

What is a Regulated loan? - As a general rule, almost all home loan types and applications are regulated under the Act. The rules for this are complicated, however, a loan is likely to be regulated if the borrower is a natural person, a charge is made for providing the credit and the credit provider provides the credit in the course of a business. The credit is provided wholly or predominately for personal, domestic or household purposes. Or to purchase, renovate or improve residential property for investment purposes. Or to refinance credit that’s been provided wholly or predominately to purchase, renovate or improve residential property for investment purposes. This means that most standard home loans are regulated under the NCCP Act.

What is an Unregulated loan? - There are exceptions that aren’t regulated by the NCCP Act. Home loans that are unregulated include loans in the name of a Company (i.e. not to a “natural person”) or loans used predominantly to invest in commercial property, shares or a business.

Don’t risk wasting your money, time and fees by being declined by other lenders – call us today on 1300 859 075!

All private lenders across Australia require you to have legal advice before any funds are handed over. Each lender has a preferred legal firm. Legal firms are located in Sydney and Brisbane.

Immediately your loan is approved by one of Platinum's private lenders, instructions are issued to the lenders preferred legal firm to prepare the loan agreements and checklists.

When the loan agreement and checklist has been created, the pdf's are emailed to your nominated lawyer or solicitor. Your lawyer or solicitor is instructed to print off the documentation and make an appointment for you to attend their office.

Before meeting with your nominated lawyer or solicitor, you will be requested to bring with you checklist items. These items usually include photo identification i.e drivers licence and passport and/or birth certificate, both council and water rates notices with confirmation that all instalments have been made, certificate of currency (not applicable for strata) with the lenders name on it (lender will provide the names), land tax statement (your solicitor often provides this), deposit slip or bank letter confirming the account your equity release funds are to be credited to etc.

Because of increasing fraud being continuously discovered, each lender has specific requirements they expect their legal firms to undertake. Summer Lawyers requires your lawyer or solicitor to personally take a photo of you in their office with endorsements. Elliott May requires your lawyer or solicitor to hand your signed loan agreements back to you and makes an appointment for you to attend their office (if in Brisbane) or a lawyer or solicitor that they nominate. This 2nd meeting is at no charge to borrowers and is further protection for you.

We have a large range of partners that offer private mortgage loans for specialised properties too! Construct or develop any property with or without presales. Purchase or refinance rural zoned land & property

Tell us your requirements
for an immediate assessment, quote and offer on any of our private mortgages, fast caveat loans, extremely urgent caveat loans or 2nd mortgage loans - it's free!

Loans for all capital cities and many regional* locations (*case-by-case basis). We don't credit check or charge fees to prepare quotes or offers. Quotes and offers are obligation-free. Our lenders don't charge commitment fees saving you hundred$. 90% of our lenders don't have application fees or establishment fees - saving you $0,000's

Discuss your fast mortgage or caveat loan requirement with Director & Loans Specialist Robert Kirk. Benefit from many years of experience in all types of private lending!

Call now for a confidential discussion on 1300 859 075