Competitive property-backed funding for investors, business owners and purchasers.
Takes 30 seconds. No obligation.
A specialist will contact you as soon as possible. Prefer to talk now? Call 1300 986 166.
Property Funding Co. provides first mortgage loans through non-bank lenders and private capital providers: competitive funding secured by residential, commercial and investment property, with flexible structures and fast turnaround. Where a lender will not move on timing, complexity or income, we find the structure that will.
A first mortgage is funding secured by a registered first-ranking mortgage over a property. It is the primary loan against the asset, which makes it the most competitive form of property-backed funding.
A first mortgage is often the most cost-effective way to borrow against property. Because the lender holds first-ranking security, you typically get a sharper interest rate than a second mortgage or caveat loan, and the funding is fast to arrange. The trade-off is real: if the loan is not repaid, the lender can take possession of the property and sell it to recover what is owed.
A first mortgage typically carries the most competitive rate of any property-secured loan, because the lender holds first-ranking security. The exact rate depends on the property, the loan-to-value ratio, the purpose of the loan and the lender.
We compare options across our panel and present the sharpest structure for your scenario, rather than pushing you toward a single fixed rate.
First-ranking security means sharper pricing.
Terms shaped around your purpose and exit.
Built for borrowers who need a quick, clear answer.
Structured for portfolios, not just owner-occupiers.
A first mortgage is the primary loan secured against a property and holds first-ranking security, which usually means a lower interest rate and faster approval. A second mortgage sits behind an existing first loan, so it carries more risk for the lender and is priced accordingly. A first mortgage suits a purchase or a refinance of the main facility; a second mortgage suits releasing equity without disturbing a first loan that is already on good terms.
A clear path from your first enquiry to funded.
Tell us the property, the purpose and the amount you need. A short enquiry is enough to get started.
We match your deal to the right first-mortgage lender and come back with indicative terms to review.
Once you accept, a valuation is ordered, documents are prepared and the loan settles.
You service the loan on the agreed terms for the life of the facility.
Repay the loan from sale, refinance or your planned exit when the term ends.
On full repayment the mortgage is discharged and the title is clear.
Answers to the questions we're asked most often.
All you need is a property that you own, registered in your name, that can be used as first-mortgage security. We assess the asset and your plan for the funds rather than putting you through a rigid serviceability template.
Yes, though it depends on the individual lender's policy. Many of the lenders we work with will look past credit history when the property and the exit are sound.
Very quickly. The sooner you enquire, the sooner we can present an offer and get the loan set up. Straightforward deals can move in a matter of days.
It depends on the value of the property offered as security. As a guide, first mortgage loans are often available for between 80% and 100% of that value, depending on the property and the lender. Tell us the property and we will confirm what is achievable.
No. There are no credit checks involved, so applying will not impact your credit score.
We structure finance around the asset and the exit, not a rigid credit box.
Non-bank lenders and private capital providers, not one balance sheet and not one set of rules.
We structure funding around the asset and the exit, by people who understand property.
Built for borrowers who need certainty and speed when an opportunity will not wait.
Solutions shaped to your scenario, not forced through rigid bank criteria.
Share the deal and we'll come back with indicative terms, usually within 24 hours. Prefer to talk? Call us directly.
A specialist will contact you as soon as possible. Prefer to talk now? Call 1300 986 166.