For professionals
Private lending for brokers
Private lending for brokers fills gaps when a bank declines, cannot settle in time or will not lend on the security. This guide covers the deal types private lenders take, what a strong submission looks like and the questions to ask about referral arrangements. Privet is not a lender or aggregator.
Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026
When brokers use a private lender
Brokers turn to a private lender for mortgage brokers when timing, documentation or security falls outside bank policy. A mortgage broker private lender relationship works well when the exit is clear and the client understands the cost.
What brokers look for
- A commercial lender for mortgage brokers and a specialist lender for mortgage brokers
- Property finance for mortgage brokers across first and second mortgages
- A broker-friendly lender and a place on a mortgage broker lending panel
- A private credit lender for brokers with clear, published criteria
- Non-bank lending solutions for brokers and an alternative lender for complex deals
- A commercial finance broker lender for commercial deals
Deal types
Brokers often keep a second mortgage lender for brokers and a bridging finance lender for brokers on their panel for these cases.
| Deal | Guide |
|---|---|
| Second mortgages | Second mortgage loans |
| Bridging | Bridging finance |
| Residual stock | Residual stock finance |
| Development exit | Development exit finance |
| Commercial | Commercial property finance |
| Urgent settlements | Fast property finance |
A clean private credit deal submission
A complete private credit deal submission saves rounds of questions.
- Borrower and entity structure
- Loan purpose and business-purpose evidence
- Security address, type and valuation evidence
- Amount, term and loan-to-value ratio
- Exit, with evidence
- Known issues disclosed up front
Referral and commission questions
Broker referral finance and mortgage broker referral partners arrangements vary, as does broker commission private lender practice. Disclose commissions to clients as your obligations require and check each lender's terms. Read how Privet is funded and our conflicts of interest page.
Frequently asked questions
Is Privet an aggregator or lender?
No. Privet is an education and calculator resource. Enquiries can be sent to finance providers.
Do private lenders pay brokers?
Many do, but arrangements vary. Confirm in writing and disclose to clients.
Which deals suit private lending?
Short-term, security-focused deals with a clear exit, such as bridging, second mortgages and development exits.
What causes declines?
Unclear exits, weak security, undisclosed issues and incomplete files.
Are speed claims reliable?
Treat advertised turnaround times as marketing claims to test, not promises.
Related guides
- Second mortgage loans in Australia
- Bridging finance in Australia
- Residual stock finance for developers
- Development exit finance explained
- Commercial property finance
- Fast property finance: how urgent loans get done
Glossary: term sheet, private lender, business purpose declaration
Run the numbers
Test cost and timing with the matching calculator before you speak to anyone. Then send one enquiry to finance providers.
Cite or share this guide
Privet (2026). Private lending for brokers. Retrieved from https://privet.com.au/brokers/private-lending-for-brokers
Send one enquiry to finance providers
- Free, and no credit check to enquire
- One short form, shared only with your consent
- Private and non-bank providers review your scenario
Free. No obligation. Not an application for credit.