Eight private lending tips.
The eight things that move a file, on eight cards. Read them here, or take the set for your own channels.
Eight cards, eight articles.
Each card is one line of credit-desk thinking. Each one links to the long-form piece that shows the working.
01Private vs bank
Private lending wins on speed and structure, not on rate — price it against the cost of the deal falling over.
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02Underwrite the exit
Lead with the exit, not the entry — a file with a dated, evidenced repayment path clears credit first.
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03Second mortgage limits
A second sits behind a first that can move — leave real headroom under the combined LVR, not a rounding error.
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04Caveat or second
A registered second beats a caveat on most files — caveats are a fallback for when consent isn't coming.
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05Settlement timing
Settlement speed is set by valuation and title, so order both the day the scenario lands, not on approval.
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06Self-employed files
Nobody is reading two years of tax returns — show the asset, the equity and the exit instead.
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07Know the panel
Non-bank is not one market — match the file to the funder's mandate before you shop it around.
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08How rates are set
Rate follows security quality, LVR and exit certainty — fix those three and the pricing conversation gets short.
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Name, email and brokerage unlocks the full-resolution set.
- Broker hubHow Archer Wealth works with brokers, end to end.
- Private lending deal checklistWhat to gather before you submit a file.
- How to place a dealScenario to settlement, step by step.
- InsightsEvery cornerstone article from the credit desk.
Got a file that fits one of these?
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.