Specialised credit assessment
Brokers know which lender fits which scenario — including ours. They can spot the structural fit before you waste time on a decline.
For borrowers
If your scenario doesn't fit the bank, your broker should know us.
Archer Wealth is an Australian private credit firm headquartered in Sydney, lending in every state. We work exclusively through accredited mortgage brokers — not direct to borrowers. Here's why that's better for you, and how to get a deal in front of us.
Why broker-channel
Better for the deal, better for you.
Better outcome for you
A broker negotiates structure, not just rate — LVR, term, conditions, exit. Bank-direct doesn't get you that.
Faster path
Our broker partners have direct lines to BDMs. They know how to package a file we can decide on same-day.
Three borrowers we fund
Where the bank model doesn't fit.
01
The bridging-and-out borrower
Settlement window. Asset under contract for sale. Bank can't unconditional in time.
What we'd ask
Settlement date, evidence the exit asset is under contract, conduct on existing facility.
Typical structure
Bridging facility, 1–9 months, 65–70% LVR, interest capitalised. Exit on the sale settlement.
02
The bank-decline borrower
Healthy deal, recently self-employed, or unusual income mix. Bank policy says no; commercial reality says yes.
What we'd ask
Last 12 months of income evidence, clean conduct, a documented exit (refi, sale, or stabilised income).
Typical structure
First mortgage, 6–24 months, 60–70% LVR, interest serviced. Exit to bank refi at 12–18 months.
03
The complex-security borrower
Mixed-use, partially tenanted, multiple titles, or specialist asset class.
What we'd ask
Title structure, lease/tenant detail, recent comparable sales, and a credible valuer.
Typical structure
First or second mortgage, structure shaped to the security; covenants we expect to test, not invoke.
How it works
Three steps, no surprises.
01
Your broker submits the scenario.
Pasted into our credit team in plain language — no 14-page application form upfront.
02
We respond same-day with indicative terms.
Rate, fees, structure and time-to-settle. The terms we indicate are the terms on the formal letter.
03
Settle in 3–5 days.
Standard files clear in 3–5 days across the suite. Development can take longer because of QS and legal.
Deal storiesIllustrative
The kinds of files we settle.
Representative deal shapes told from the borrower's perspective. Names redacted, structure indicative.
BridgingBondi, NSW
“The bank withdrew finance five days before settlement.”
Borrower had an unconditional contract on a Bondi terrace. Tier-1 bank pulled finance after a credit-policy update; settlement was five days away.
- Size
- $2.4m
- LVR
- 58.5%
- Settled
- 5 days
DevelopmentCoburg, VIC
“Senior + mezz on a 14-unit residential site.”
Experienced developer, 14-unit site in Melbourne's north, DA approved, builder appointed. Required senior debt to 65% TDC and a small mezz tranche to clear funding gap.
- Size
- $6.8m
- LVR
- 65% TDC
- Settled
- 5 weeks
CommercialEagle Farm, QLD
“Owner-occupied warehouse acquisition, tight settlement window.”
Trading business acquiring its current premises from the landlord. Tenant of 7 years, strong cashflow, bank couldn't move in time for the vendor's exchange.
- Size
- $1.9m
- LVR
- 62%
- Settled
- 5 days
Second MortgageSydney CBD, NSW
“Top-up behind a major lender, settlement-funded exit.”
Working capital for inventory ahead of a planned business sale. Senior wouldn't extend; second mortgage structured to 78% combined LVR with documented exit.
- Size
- $2.8m
- LVR
- 78% combined
- Settled
- 5 days
Representative deal shapes · Not specific transactions · For information only
Find a broker
We'll match you to a broker who covers your postcode.
Tell us where the property is, what you're trying to do, and how to reach you. We'll match you to one of our broker partners — not call you directly. They'll be in touch within one business day.
If you'd rather speak to our team first, we're on 02 8064 9608 — we won't take an application, but we'll point you to the right broker partner for your situation.
Borrower FAQ
The questions borrowers ask us.
Different from broker FAQs — these are the ones a borrower reading their broker's recommendation actually has on their mind.
Why don't you lend direct?
Brokers add real value — they package the file properly, negotiate structure, and know which lender fits which scenario. A direct-to-lender model erodes broker trust, and brokers are how good deals find us. So the answer is structural, not bureaucratic.
How fast can you actually settle?
Standard bridging or first-mortgage files: 3–5 days. Commercial: similar. Development: 3–6 weeks because of QS, legal, and drawdown set-up. The clock starts at scenario submission, not at conditional approval.
What's your maximum LVR?
First mortgage: up to 70%. Second mortgage: up to 80% combined. Anything north of that is a conversation, not an automatic no — but it'll need a strong sponsor and a credible exit.
Will you take ATO debt?
If it's paid out at settlement and conduct is otherwise clean, yes. Your broker will ask for the Notice of Debt and a settlement plan; we'll let them know within hours.
I don't have a broker — what now?
Use the form above and we'll match you to one of our broker partners covering your postcode within one business day. They'll reach out — not us.
What happens if my broker doesn't know Archer?
Tell them to call us — accreditation takes minutes, and we'll work the deal directly with them. We never circumvent a broker who's already on a file.
Indicative information only. Wholesale-investor framing applies. Archer Wealth (Archer Wealth Pty Ltd, ACN 648 609 876) is the Investment Manager and a CAR (1291674) of Archer Wealth Capital Pty Ltd (AFSL 548263). Past performance is not a reliable indicator of future returns. Full disclaimer.
All credit facilities are extended through accredited mortgage brokers. Internal complaints can be raised in writing to enquiries@archer-wealth.com.
Archer Wealth Pty Ltd · ABN 15 648 609 876 · CAR 1291674 of Archer Wealth Capital Pty Ltd · AFSL 548263
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