Private lenders
Private lenders in Perth and Western Australia
Private lenders Perth borrowers use mostly provide short-term loans secured by property, such as bridging, second mortgages and commercial or development finance. Lenders weigh the local market, the valuation and the exit. In Western Australia, titles are run by Landgate and duty and land tax by RevenueWA.
Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026
Commercial precincts and what lenders consider
- Perth CBD and West Perth: office and mixed-use property, where tenancy and vacancy drive value.
- Osborne Park, Malaga and Welshpool: established industrial and showroom areas.
- Kewdale, Canning Vale and the airport corridor: logistics and warehousing.
- Fremantle and the southern corridor: mixed retail, hospitality and residential development.
- Regional WA, including Bunbury, Mandurah, Geraldton and Kalgoorlie: thinner sales evidence, so valuers and lenders may be more conservative.
Local rules that affect a loan in Western Australia
Mortgages and caveats are lodged with Landgate. Transfer duty and land tax are assessed by RevenueWA, and land tax can affect how much equity is available. Check current amounts on the WA stamp duty page and see bridging finance in WA.
Frequently asked questions
Do Perth private lenders lend on regional WA property?
Some do, often at lower loan-to-value ratios where sales evidence is limited. Expect the valuation to carry more weight.
Regions in this state
- Private lenders in Perth
- Private lenders in Mandurah
- Private lenders in Bunbury and the South West
- Private lenders in Busselton and Margaret River
- Private lenders in Geraldton and the Mid West
- Private lenders in Kalgoorlie-Boulder and the Goldfields
- Private lenders in Albany and the Great Southern
- Private lenders in Karratha and the Pilbara
- Private lenders in Broome and the Kimberley
Related guides
- Stamp duty in Western Australia
- Bridging finance in Western Australia
- Caveat loans in Western Australia
- Private lending Australia: how it works in every state
Glossary: valuation
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 Perth and Western Australia. Retrieved from https://privet.com.au/private-lenders/western-australia
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