What we do
Private Lending
We lend our own capital together with capital from others including HNWI's, Family Offices and Warehouse Facilities. We are specialists in high LVR, high loan amount, no documentation, non-bank lending on property, vacant land, property construction and land subdivision
Our People
Who we are
We're a Brisbane CBD based private lender with a satellite office on the Sunshine Coast. The Director Rob Kirk has over 30 years of experience in mortgage management, mortgage origination and syndication. We're not licenced by ASIC to arrange or discuss regulated home loans
Our Process
Application Day 1
Over the phone, by email or by internet, your application is assessed, indicatively approved and progressed towards full approval
Approval Days 1-2
Supporting documentation as requested is reviewed, assessed and when acceptable, a formal offer letter is issued for your further action
Loan Agreement Days 3-4
Review and accept the formal offer letter. If you wish to take-up the offer, the loan agreement will be ordered and issued to your nominated legal firm
Settlement Days 5-7
When the loan agreement has been signed, supporting documentation finalised, your loan is booked-in and prepared for settlement
We offer loans to suit a range of purposes
You are a .desig|
Loans are offered throughout Australia including capitals, regionals, coastals with all postcodes considered. Our clients are directors and guarantors of Companies and Corporate Trustees.
We work closely with our business clients and have done so for 30 years! Loans are secured by residential dwellings, commercial buildings, vacant land lots and development land.
Interest rates and fees for privately funded loans are competitive, can be included in your loan together with monthly interest payments. Amounts that may be payable upfront include valuations, terms sheet and legal fee deposits.
$361,880,831
settled loans since 2020
26 funds
for resi & commercial
12 funds
for construction
10 funds
for land subdivision
Management Team
You're in good hands
We're a small team located in Brisbane with long-term business relationships with prominent legal firms, valuation firms, HNW individuals, family offices, private funding lines, brokers and accountants. Director Rob Kirk in 2025 celebrates 30 years in mortgage lending.
We use DocuSign to save you time by having no printing requirements, no scanning requirements, immediate issue of loan applications and immediate issue of loan offers. With some of our 1st mortages, 2nd mortgages and caveats there is no solicitor* required resulting in 2-3 day turnaround settlements with funds in your account!
Rob Kirk
Director
Administration
Support staffWhat We Offer
Our Financial Solutions
1st mortgages, 2nd mortgages & fast caveats to purchase property and land, construct property and develop land, release equity from property and land, refinance expired loans, revalue existing securities to extend for new loan terms, establish lines of credit (LOC) against existing equity and much more.
1st Mortgages
Loans secured by 1st mortgage (resi) available up-to 80% on metro property located in Bris, Syd and Melb. Loans secured by 1st mortgage available up-to 75% across all capitals.
2nd Mortgages/Caveats
Loans secured by 2nd mortgage & caveat available up-to 80% on property available across all capitals (min $100k loan amount required) & behind private 1st mortgagees considered.
Purchase Property & Land
Purchase property up-to 75%, purchase vacant land up-to 70%, purchase vacant land with DA up-to 75%. Purchase property using a blend of mortgages up-to 85% (min $500k).
Property & Land Development
We offer specialised funding for property and land development projects, providing the capital necessary to bring your vision to life.
Commercial
Our commercial loans support businesses looking to acquire or develop commercial properties, ensuring you have the resources to prosper.
Residential
Our residential loans with above-market lvr's are available across Australia to company directors wishing to grow their businesses and wealth.
About Us
30 Years in Mortgages
Private Lending Holdings is a Brisbane CBD based private lender with a satellite office on the Sunshine Coast. We lend our own capital together with capital from others including HNWI's, Family Offices and Warehouse Facilities and specialise in high LVR high loan amount non-bank lending on property, vacant land, property construction and land subdivision. With the advent of automated technologies and business processes provided by Core Logic, Equifax, InfoTrack and DocuSign, we operate seamlessly Australia-wide producing the fastest outcomes for clients!
We're not licenced by ASIC to arrange or discuss regulated home loans. The loans we arrange are for company (Pty Ltd) borrowers.
We know Development and Subdivision
No Project is too big!
We bring together expertise, innovation, and a client-focused approach to deliver financial solutions that truly make a difference to your bottom line
Talk to us about a release of property or land equity, to purchase property or vacant land, to develop property with a drawdown loan, to subdivide land with a drawdown loan, to buy before selling or to refinance your expired loan
We work closely with our clients to personalise finance solutions for the specific business or development scenario
Business & Development Loans
Features of loans we can offer
Loans available only to Established and SPV Company Directors & Corporate Trustees of Family Trusts
No servicing where there is no end debt
1st Mortgage
Suitable for Purchases, Equity Release, Refinancing, Consolidation, Bridging, Flipping and more
fr8.95%
- Up-to 80%* LVR
- 3-36 months term
- Australia-wide
- Resi, Commc'l, Land**
- Fees incl in loan
- LOC available
- $100k up-to $500m
- 3rd Party securities
- Credit code regulated
- Recipients of Gov't benefits
- *80% Bris|Melb|Syd House
- **75% as-is with DA or 70% w/o
2nd Mortgage
Suitable for Purchases, Equity Release, Refinancing, Consolidation, Bridging, Flipping and more
fr10.95%
- Up-to 80%* LVR
- 3-24 months term
- Australia-wide
- Resi, Commc'l, Land
- Fees incl in loan
- LOC available
- $100k up-to $20m
- Caveat settlements
- 3rd Party securities
- Credit code regulated
- Recipients of Gov't benefits
- *80% min $100k & behind private considered
Fast Caveats
Suitable for Purchases, Equity Release, Refinancing, Consolidation, Bridging, Flipping, ATO debts and more
fr1.25% p/m
- Up-to 80%* LVR
- min 1-12 months term
- All Capital Cities, Major Coastal and Major Regional
- Resi, Commc'l, Land
- Fees incl in loan
- LOC available
- $100k up-to $5m
- Valuations not always required & BYO considered
- 3rd Party securities
- Credit code regulated
- Recipients of Gov't benefits
- *Max LVR varies - no set LVR limits
Development
Suitable for Construction of Property and Subdivision of Vacant Land. LVR's & NRV's are based on as-if-complete values less GST.
fr8.99%
- Up-to 65%* LVR
- Up-to 75%** LVR
- 3-36 months term
- Australia-wide
- Resi, Commc'l, Land
- Fees incl in loan
- LOC may be available
- $500k up-to $500m
- 3rd Party securities
- Credit code regulated
- *65% land development
- **75% NRV construction
Have known Rob for many years and he's always been fantastic to deal with throughout the whole process. Always kept us informed and going above and beyond even well after the transactions were finalised. Everything is dealt with quickly and efficiently and in the most professional manner. Rob is also always willing to provide advice and recommendations. Would highly recommend his services to anyone
Tania Andrews
Excellent customer service and satisfactorily results. Robert Kirk provides a very professional and thoughtful service to his clients and he will go to extra miles to satisfy his clients
Ellie Choobandnejad
Rob was professional in every thing he did for me..with out him I don't think I would have got what I needed. I would recommend him to any one and if I needed another loan I would not hesitate to return to private lenders. Rob thanks I could not have done it without u. I give a 10 star rating
Gaylene T
Read Our Blogs
Latest Blog Posts
Here we flaunt our recent achievements and successes in assisting purchasers and owners.
When banks, non-banks and private lenders have dropped the ball, we've been able to provide the funding using either our own funding line or funding lines from others.
Contact Us
We'd love to hear from you
We welcome your phone call or email. Prefer to send us your loan scenario, click the Express Enquiry Form button to make a time for a confidential chat:
Offices
Bris: 2/290 Boundary Street,
Spring Hill QLD 4000
Syd: 1&2/457-459 Elizabeth Street,
Surry Hills NSW 2010
Melb: 329/98-100 Elizabeth Street,
Melbourne, VIC 3000
Business Hours
Mon - Fri: 08.30am - 5.30pm
Sat - Sun: Message Service
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Online message
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