Private lenders
Private lenders in Victoria
A private lender Victoria borrowers deal with may offer bridging, second mortgage, caveat and first mortgage loans across Melbourne and regional centres. This hub links each Victorian guide, the state duty calculator and the regional pages in one place.
Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026
Victoria's property finance landscape
Melbourne dominates lending volume, but Geelong, Ballarat, Bendigo and other regional cities have their own markets and valuation considerations. Regional and specialised security can narrow lender choice, so plan for a cautious valuation.
Victorian land is registered through Land Use Victoria, and transfer duty and land tax are administered by the State Revenue Office Victoria. Both affect purchase costs and what a lender sees on title. Check the Victorian stamp duty calculator.
Commercial property finance Victoria
Commercial property finance Victoria owners use covers offices, industrial sites in the western and south-eastern corridors, and retail strips. Lenders focus on leases, tenant quality and vacancy. See commercial property loans.
Victorian lending guides
Melbourne and Victorian commercial precincts
In Victoria, titles are recorded through Land Use Victoria and duty and land tax are run by the State Revenue Office. See the national guide.
- Melbourne CBD, Southbank and Docklands: office, apartment and mixed-use property.
- City of Stonnington (Toorak, South Yarra, Prahran, Malvern): high-value residential and boutique retail strips such as Chapel Street and Toorak Road.
- City of Yarra (Richmond, Collingwood, Fitzroy, Cremorne): converted warehouses, creative offices and mixed-use development.
- Fishermans Bend, Port Melbourne and Dandenong South: industrial, logistics and urban renewal.
- Geelong, Ballarat and Bendigo: regional centres where valuers rely on thinner sales evidence.
Frequently asked questions
Do private lenders operate in regional Victoria?
Many lend statewide, but appetite for regional and specialised security varies. Confirm with each lender.
Where do I check Victorian stamp duty?
Use Privet's Victorian stamp duty page, which links to the State Revenue Office Victoria.
Is Privet a Victorian lender?
No. Privet is based in Melbourne but is not a lender. You can send one enquiry to finance providers.
Regions in this state
- Private lenders in Melbourne
- Private lenders in Geelong
- Private lenders in Ballarat
- Private lenders in Bendigo
- Private lenders in Mornington Peninsula
- Private lenders in Shepparton and the Goulburn Valley
- Private lenders in Warrnambool and the Great Ocean Road
- Private lenders in Latrobe Valley and Gippsland
- Private lenders in Mildura and Sunraysia
- Private lenders in Wodonga
Related guides
- Private lenders in Melbourne
- Bridging finance in Victoria
- Caveat loans in Victoria
- Stamp duty in Victoria
Glossary: transfer duty, caveat
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 lenders in Victoria. Retrieved from https://privet.com.au/private-lenders/victoria
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