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Welcome to Loan Nerds Private Lending

At Loan Nerds Private, we deliver first mortgage solutions backed by institutional capital—designed for those who need speed, certainty, and a smarter way to fund property opportunities.

With clear eligibility criteria, competitive risk-based pricing, and a focus on specialised scenarios like development land and time-critical settlements, we move when others hesitate.

Indicative terms in hours. Formal offers in days. No grey areas—just straight-talking, results-driven lending.

Submit a Quick Scenario

Quick Application Form

NICHES

Residential Land Under Construction (Treated as Vacant Land)

Institutional Funding Trust. Stability. Scalability.

Transparent Eligibility Criteria

Products We Fund

Residential Homes & Units

Residential Homes & Units

Commercial Properties

Residential Land Under Construction

Eligibility Overview

  • Australian resident companies registered with ASIC
  • All titleholders must be borrowers or guarantors
  • Loan amounts: up to $20 million
  • Two term options available:
  • 1–3 Year Term
  • Up to 30 Year Term for certain scenarios.
  • Minimum loan size: subject to product type
  • Residential property: 75%
  • Commercial property: 65%
  • Commercial land: 50%
  • Residential land: 60%
  • First mortgage required over:
    • Residential houses, townhouses, apartments
    • Commercial and industrial properties
    • Land (zoned and titled appropriately)
  • Acceptable titles:
    • Freehold, Strata, Crown leasehold (more than 30 years remaining)
  • Location focus:
    • All capital cities and major regional hubs with populations over 100,000
  • Exclusions:
    • Company title, mining lease, materially damaged properties, non-standard titles
    • Units under minimum internal size (1BR <50sqm, 2BR <70sqm)
Check Your Eligibility

Lending Process

Step 1: Submit Your Scenario
Send us your deal details—property type, loan amount, and purpose. We’ll review and issue indicative terms, usually within hours.
Step 2: Get Approved
Once you accept the terms, we arrange valuation, complete due diligence, and issue a formal Letter of Offer—typically within 2–4 business days.
Step 3: Settle and Access Funds
After signing, legal documents are processed and funds are released—often within 5–7 business days. We also support your exit plan post-settlement.
Start a Quick Application

Frequently asked questions

Private lending refers to non-bank loans provided by institutions or private investors, usually secured by real estate. It’s ideal for borrowers who need quick funding or don’t meet standard bank criteria.

Loan Nerds Private is backed by institutional capital, allowing us to fund complex, urgent, or unconventional deals—without red tape. We offer fast decisions, transparent criteria, and tailored solutions.

We fund a wide range of securities, including:

  • Residential property (including land)
  • Commercial and mixed-use properties
  • Development sites
  • Bridging and refinance properties

We fund private loans from $500,000 to $25 million+, depending on the asset, borrower profile, and loan purpose.

Indicative terms are usually provided within 24–48 hours, and formal approvals can be issued in 2–5 business days once full documentation is received.

We keep it simple. In most cases, we require:

  • A short summary of the deal
  • Property details
  • Borrower profile
  • Exit strategy

We’ll guide you through the rest.