Privet · Property finance toolkit
Run the numbers. Then take your deal to a lender.
Free calculators and deal tools for private lending, bridging, second mortgages, construction and commercial property finance in Australia. Model costs and ratios, then send one enquiry to finance providers. Privet is not a lender or broker.
How Privet works
Three steps from question to lender
Who Privet helps
Pick the path that fits you
- Property owners and buyersBridging, refinancing, settlement gaps and business funding secured by property.Private lending explained →
- Property developersLand, construction, residual stock and development exit finance.Development finance guide →
- Brokers and advisersHow private credit fits a client's deal and what lenders ask to see.Guide for brokers →
What private property loans usually look at
- Security
- Residential, commercial, industrial, land or development sites.
- Loan-to-value (LVR)
- Usually lower than bank limits; set by each lender.
- Term
- Mostly short term, often months rather than years.
- Exit
- A clear plan to repay: sale, refinance or completion.
General information only. Rates, fees and limits vary by lender and deal. When you send an enquiry, Privet passes your details to finance providers who may be able to assist; Privet does not lend or approve loans.
Explore by topic
Where would you like to start?
- Finance types
Understand finance
Private, bridging, development and commercial finance.
- Calculators
Run the numbers
Costs, repayments, feasibility and property ratios.
- Property scenarios
Find your situation
Buying, developing, refinancing or facing a settlement gap.
- Learning library
Build your knowledge
Short lessons on security, fees, exits and borrower protections.
- Rates & data
Check the facts
Government-sourced rates, thresholds and their history.
- Glossary
Make sense of the terms
Plain-English meanings for finance and property terminology.
Optional free account
Keep your work in one place
Every guide and calculator works without signing up. A free account adds:
- Save calculator results and the loan offers you receive, then compare offers side by side
- Keep a reading list of guides, lessons and glossary terms
- Track your document checklist and quiz results
- Open it all on any device
Types of property finance
Private lenders by region
All regions →New South Wales (14)
- Sydney
- Newcastle and the Hunter
- Wollongong and the Illawarra
- Central Coast
- Parramatta and Western Sydney
- Northern Rivers and Byron Bay
- Coffs Harbour and the Mid North Coast
- Port Macquarie and the Hastings
- Tamworth and New England
- Orange, Bathurst and the Central West
- Dubbo and Western NSW
- Wagga Wagga and the Riverina
- Albury
- Queanbeyan and the Capital Region
Victoria (10)
Queensland (11)
Western Australia (9)
South Australia (7)
Australian Capital Territory (1)
Northern Territory (4)
Settlement approaching or a loan ending?
Start with the relevant guide and your preparation checklist.