SMC Private Lending

We have dedicated Private Lending Specialists who have many years’ experience in their field. They possess the expertise to discuss the various financial options that are available to you, taking into account your particular circumstances and your business requirements.

What is Private Lending?

Private lending is also known as Peer to Peer lending. Peer to peer lending involves borrowing money without going through a traditional lender such as a bank, building society or credit union. Private Lending is for non regulated loan lending and it cannot be used for home lending activities. Lending should be in a company structure with the loan purpose for business or investment activities Peer to peer lending matches people who have money to invest with people who are looking for a loan.

how does SMC Private Lending work?

SMC Private operates as a facilitator between investors and borrowers. Investor Who are looking for a better return on investments(CASH) but also seeking the risk profile of First Mortgage Security Borrower Who are seeking more flexibility in their borrowing requirements and faster solutions than normal mainstream lenders can provide. When borrowers apply for a loan, SMC Private will evaluate their suitability by checking their credit history and their capacity to repay the loan, the quality of the asset as security and other risk factors and present to the investor for the final decision to accept or not. Once the loan is settled, borrowers will receive the funds from an investor, including the fees to charge. At the end of the loan term, borrowers pay the debt in full. This may be from the proceeds of a sale, refinance, completion of development or other options or the borrower may seek an extension and pay another round of interest if the investor is willing to accept.

A Developer's Guide to Non-Bank Financing in Australia

Private lending FAQs

Private lending involves borrowing from non-bank lenders such as private funds, family offices, or mortgage trusts. It is used when borrowers need fast access to funds, have complex income structures, require bridging finance, or have been declined by traditional banks.

Private lending suits property developers, investors, and businesses who need fast funding, have non-standard income, or are in a transition period. It is a flexible short-term solution, typically for 3–24 months.

Interest rates for private loans are generally higher than bank rates, typically 7% to 15%+ per annum depending on risk, security type, and loan term. However, the speed and flexibility often outweigh the higher cost for the right situation.

One of the key advantages of private lending is speed. Settlement can occur within 24–72 hours in some cases, compared to weeks for traditional bank approval. This makes private lending ideal for time-sensitive opportunities.

First or second mortgage over real property is the most common form of security. Some lenders may also accept commercial property, development sites, or specialised assets. Our brokers will assess your situation and recommend the most appropriate solution.

Testimonial

What our customer says about us

Testimonial

What our customer says about us

I have been with Ivy for 10 years. Ivy always exceeds my expectation and makes me feel my needs are a priority. Her professionalism and knowledge are of an extremely high standard and the communication and efficiency throughout the whole process was above and beyond. More than happy with the service from Ivy and Smart Mortgage and would not hesitate to recommend their services to others.

Yin Zhu

Onsite Manager of Rosewood Heights

My family uses Smart Mortgage to assist with the purchase of our home, investment, properties and commercial lending. Ben Ou, the Manager Director and his team are very experience and have always made our loan processes easy. I would highly recommend Smart Mortgage to my friends and clients who require finance for their properties. I am confident that the Smart Mortgage’s team will look after the customer’s best interests.

Simon Au

RE/MAX Number 1 Sales Team

Having worked with Angela for over 10 years, she has always been very professional and always puts my needs and interests first. Her work ethic is excellent and I trust in her abilities to always provide me with honest advice to help me reach my financial goals. My husband and I have several home and commercial properties with Smart Mortgage and I would highly recommend them to anyone who is looking for a company who truly puts your interests first.

Anh Pham

Manager at Queensland Soy Factory

I have dealt with Smart Mortgage for many years. There have been a few properties I have bought and sold over this period. Angela Duong is the person I have dealt with for my home loans. I have known Angela for over 10 years and have always found her and the staff at Smart Mortgage to provide outstanding services. Buying and selling houses are some of the most stressful things a person can go through in life. Knowing that Smart Mortgage are very professional and committed to the complete process from start to finish is a great relief.

Anne Poulton

Property Buyer

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