Queensland

Private lenders in Brisbane

When a bank says no or can't move fast enough, Brisbane borrowers often turn to private lenders. Here is how they work and how to compare them safely.

Quick answer

Private lenders offer short-term loans secured by property, judged mainly on the security and your exit plan rather than income. They cost more than banks, so compare the total cost, fees and exit before you commit.

When Brisbane borrowers use private lenders

Settlement deadlines a bank can't meet
Buying before selling (bridging)
Urgent business funding secured by property
Development sites, residual stock and construction gaps
Self-employed or complex income that banks decline

What it costs

Expect an interest rate plus establishment, valuation and legal fees, and sometimes prepaid interest. Use the loan cost calculator to see the full cost of any offer, and Queensland stamp duty (transfer duty, administered by Queensland Revenue Office) if you are buying.

Finance types to read next

Also see private lenders in Melbourne and Sydney.

Common questions

What is a private lender?

A private lender is a non-bank that lends its own or investors' money, usually secured by property. Loans are typically short term and priced above bank rates in exchange for speed and flexibility.

How fast can a private lender settle in Brisbane?

Timing depends on the lender, the valuation and the title. Ask any lender for its expected timeline in writing and what could delay it.

How do I check a private lender is legitimate?

Check the business on ASIC registers and ABN Lookup, never pay large upfront fees before a written offer, and have the loan documents reviewed by your own lawyer.

Do private lenders need an exit strategy?

Yes. Most private loans are short term, so lenders want a clear plan to repay, such as a sale or a refinance, plus a backup if that plan slips.

Before signing, read how to check a lender and our scam red flags.

Searching for a private lender Brisbane borrowers can compare? Start with the Queensland hub.

Commercial property finance Brisbane

Commercial property finance Brisbane owners use includes purchases, bridging and refinance. See the Queensland hub.

Regions in this state

Glossary: bridging loan

Run the numbers

Test cost and timing with the matching calculator before you speak to anyone. Then send one enquiry to finance providers.