# Archer Wealth

> Australian private credit firm headquartered in Sydney, lending nationally. Same-day indicative terms on first and second mortgages, bridging, development, and commercial loans for broker-originated deals. AFSL 548263 (held by Archer Wealth Capital Pty Ltd). Established 2019. $637M+ FUM across warehouse facilities, the Archer Wealth Investment Fund, P2P investors, and balance-sheet capital. Named in the Financial Times High Growth Companies Asia-Pacific 2026 ranking.

## About
- [Home](https://archer-wealth.com/): Brand overview, AI scenario engine, recent deals
- [Team](https://archer-wealth.com/team): Leadership and credit committee
- [Contact](https://archer-wealth.com/contact): Office address, phone, email
- [In the media](https://archer-wealth.com/media): Published coverage, by-lines and quoted commentary

## The asset class
- [Private credit in Australia](https://archer-wealth.com/private-credit): Non-bank private credit explained, regulation under AFSL, how it differs from bank lending
- [Private credit statistics](https://archer-wealth.com/private-credit/statistics): Citable facts and figures, reviewed quarterly. FUM, indicative pricing, LVR caps, settlement times
- [Private Credit Pulse, Q2 2026](https://archer-wealth.com/private-credit/pulse): Quarterly reading of the Australian private credit market from Archer Wealth's book. Citable with attribution
- [Non bank lenders, explained](https://archer-wealth.com/non-bank-lender): What a non-bank lender is, AFSL vs ACL regulation, how to choose

## Lending products
- [Solutions](https://archer-wealth.com/solutions): All six Archer products
  - [Premium](https://archer-wealth.com/solutions/premium): Prime first-mortgage lending, up to 70% LVR, from 7.99% p.a.
  - [Edge](https://archer-wealth.com/solutions/edge): Flagship first mortgage, up to 75% LVR, from 8.49% p.a., 6-24 month terms
  - [Flex](https://archer-wealth.com/solutions/flex): Bridging finance + second mortgage, 1-9 months, up to 75% LVR
  - [Rapid](https://archer-wealth.com/solutions/rapid): Short-term property-secured liquidity, 3-day settlement, $100k-$2m
  - [CommercialX](https://archer-wealth.com/solutions/commercialx): Commercial real estate lending, up to 70% LVR, from 7.99% p.a.
  - [LandX](https://archer-wealth.com/solutions/landx): Vacant land loans + site acquisition + DA-hold finance

## Private lending hub (pillar pages by product)
- [Private lending hub](https://archer-wealth.com/private-lending): Overview of the suite
- [First mortgage loans](https://archer-wealth.com/private-lending/first-mortgage-loans): Senior secured lending
- [Bridging finance / bridging loans](https://archer-wealth.com/private-lending/bridging-finance): Short-dated property finance
- [Second mortgage loans (2nd mortgage)](https://archer-wealth.com/private-lending/second-mortgage-loans): Release capital behind an existing first
- [Caveat loans](https://archer-wealth.com/private-lending/caveat-loans): Short-dated caveat-secured facilities (limited use)
- [Commercial business loans](https://archer-wealth.com/private-lending/commercial-business-loans): Commercial property-secured business lending
- [Development finance](https://archer-wealth.com/private-lending/development-finance): Land acquisition + construction
- [Fast settlement](https://archer-wealth.com/private-lending/fast-settlement): 3-day Rapid product

## Calculators (free educational tools)
- [Calculators index](https://archer-wealth.com/calculators)
- [Bridging loan calculator](https://archer-wealth.com/calculators/bridging-cost): All-in cost of a bridging facility, establishment + capitalised interest + exit
- [LVR calculator](https://archer-wealth.com/calculators/lvr): Loan-to-value ratio for any property + loan combination
- [Capitalised vs serviced interest](https://archer-wealth.com/calculators/interest-cost): Compare both structures over a private credit term
- [Development feasibility calculator](https://archer-wealth.com/calculators/development-feasibility): TDC, LVC, LVR vs GRV, profit on cost
- [Second mortgage borrowing capacity](https://archer-wealth.com/calculators/second-mortgage-capacity): Available capacity at a target combined LVR
- [Refinance comparison](https://archer-wealth.com/calculators/refinance-comparison): Current rate vs new rate, net of switching costs, break-even months

## Representative deals
- [Transactions index](https://archer-wealth.com/transactions): Anonymized representative deal shapes across bridging, first/second mortgage, development, commercial and Rapid
- [Bridging, Eastern Suburbs Sydney, settled before sale ($2.3m, 5 days)](https://archer-wealth.com/transactions/bridging-eastern-suburbs-settlement-before-sale)
- [Second mortgage, Toorak, ATO debt resolution behind a fixed first ($650k, 78% combined LVR)](https://archer-wealth.com/transactions/second-mortgage-ato-debt-resolution)
- [Development finance, Sydney inner-west, three townhouses ($5.4m TDC, 68% LVC)](https://archer-wealth.com/transactions/development-finance-three-townhouses-inner-west)
- [CommercialX, Brisbane warehouse acquisition ($3.1m, 65% LVR)](https://archer-wealth.com/transactions/commercial-property-loan-warehouse-acquisition)
- [Rapid, Sydney vendor finance settlement shortfall ($420k, 3 days)](https://archer-wealth.com/transactions/rapid-vendor-finance-settlement-shortfall)
- [Edge first mortgage, Perth self-employed investor ($1.8m, 70% LVR)](https://archer-wealth.com/transactions/edge-first-mortgage-self-employed-investor)

## City coverage, private lenders
- [Sydney](https://archer-wealth.com/private-lenders/sydney): Private lenders Sydney, head office market, all six products
- [Melbourne](https://archer-wealth.com/private-lenders/melbourne): Private lenders Melbourne
- [Brisbane](https://archer-wealth.com/private-lenders/brisbane): Private lenders Brisbane
- [Perth](https://archer-wealth.com/private-lenders/perth): Private lenders Perth
- [Adelaide](https://archer-wealth.com/private-lenders/adelaide): Private lenders Adelaide
- [Gold Coast](https://archer-wealth.com/private-lenders/gold-coast): Private lenders Gold Coast

## For brokers
- [Brokers](https://archer-wealth.com/brokers): Broker-originated deal process and accreditation
- [How to place a deal](https://archer-wealth.com/brokers/how-to-place-a-deal)
- [Deal checklist](https://archer-wealth.com/brokers/deal-checklist)
- [Scenarios guide](https://archer-wealth.com/brokers/scenarios-guide)

## For borrowers
- [Borrowers hub](https://archer-wealth.com/borrowers): Process, products, eligibility
- [Private mortgages](https://archer-wealth.com/private-mortgages): First mortgage, second mortgage, bridging types explained

## For investors
- [Investors](https://archer-wealth.com/investors): The Archer Wealth Investment Fund (wholesale clients only, gated per s761G/s761GA of the Corporations Act 2001)

## Reference content
- [Glossary](https://archer-wealth.com/glossary): Australian private credit terminology (42 entries)
  - [LVR](https://archer-wealth.com/glossary/lvr)
  - [First mortgage](https://archer-wealth.com/glossary/first-mortgage)
  - [Second mortgage](https://archer-wealth.com/glossary/second-mortgage)
  - [Bridging finance](https://archer-wealth.com/glossary/bridging-finance)
  - [Caveat loan](https://archer-wealth.com/glossary/caveat-loan)
  - [Establishment fee](https://archer-wealth.com/glossary/establishment-fee)
  - [Serviceability](https://archer-wealth.com/glossary/serviceability)
  - [GRV (gross realisation value)](https://archer-wealth.com/glossary/grv)
  - [Residual stock loan](https://archer-wealth.com/glossary/residual-stock-loan)
  - [Pre-sales](https://archer-wealth.com/glossary/pre-sales)
- [Comparisons](https://archer-wealth.com/compare): Side-by-side decision aids
  - [Private credit vs bank lending](https://archer-wealth.com/compare/private-credit-vs-bank-lending)
  - [First mortgage vs second mortgage](https://archer-wealth.com/compare/first-mortgage-vs-second-mortgage)
  - [Bridging finance vs caveat loan](https://archer-wealth.com/compare/bridging-finance-vs-caveat-loan)
  - [Second mortgage vs equity release](https://archer-wealth.com/compare/second-mortgage-vs-equity-release)
  - [Development finance vs construction loan](https://archer-wealth.com/compare/development-finance-vs-construction-loan)
  - [Private credit fund vs term deposit (investor view)](https://archer-wealth.com/compare/private-credit-fund-vs-term-deposit)
- [FAQs](https://archer-wealth.com/faqs): 24 questions across broker, borrower, investor and general segments

## Insights, long-form analysis
- [Insights index](https://archer-wealth.com/insights)
- [Private lending vs bank lending: broker guide](https://archer-wealth.com/insights/private-lending-vs-bank-lending-broker-guide)
- [Caveat loans and second mortgages in Australia](https://archer-wealth.com/insights/caveat-loans-second-mortgages-australia)
- [Private mortgage lenders in Australia, explained](https://archer-wealth.com/insights/private-mortgage-lenders-australia-explained)
- [Private first mortgages for non-traditional borrowers](https://archer-wealth.com/insights/private-first-mortgages-non-traditional-borrowers)
- [Why we underwrite the exit before the entry](https://archer-wealth.com/insights/bridging-exit-first)
- [Second mortgage loan in Australia, explained](https://archer-wealth.com/insights/second-mortgage-loan-australia)
- [Vacant land loans in Australia](https://archer-wealth.com/insights/vacant-land-loans-australia)
- [Non-bank lenders Australia, explained](https://archer-wealth.com/insights/non-bank-lenders-australia-explained)
- [Non-bank lending guide for brokers](https://archer-wealth.com/insights/non-bank-lending-guide-brokers)
- [Bridging finance Australia, explained](https://archer-wealth.com/insights/bridging-finance-australia-explained)
- [Caveat loan vs second mortgage](https://archer-wealth.com/insights/caveat-loan-vs-second-mortgage)
- [Commercial property loans Australia](https://archer-wealth.com/insights/commercial-property-loans-australia)
- [Investment property loans Australia](https://archer-wealth.com/insights/investment-property-loans-australia)
- [Business loan for property development Australia](https://archer-wealth.com/insights/business-loan-property-development-australia)
- [Low doc loans Australia](https://archer-wealth.com/insights/low-doc-loans-australia)
- [SMSF property loans Australia](https://archer-wealth.com/insights/smsf-property-loans-australia)
- [Interest only investment loan Australia](https://archer-wealth.com/insights/interest-only-investment-loan-australia)
- [Private mortgage fund Australia](https://archer-wealth.com/insights/private-mortgage-fund-australia)
- [Self-employed home loans Australia](https://archer-wealth.com/insights/self-employed-home-loans-australia)

## Recognition and press coverage
- [Financial Times High Growth Companies Asia-Pacific 2026](https://archer-wealth.com/news/financial-times-high-growth-companies-asia-pacific-2026): Named in the FT annual ranking
- Press by-lines from founder Gee Taggar in Broker Daily, Australian Broker and The Adviser
- Quoted commentary on private lending, second mortgages and broker channel topics in Australian Broker and Broker Daily
- Video interview on private credit with Mark Bouris (Yellow Brick Road partnership)
- Full list with links: [In the media](https://archer-wealth.com/media)

## Frequently asked (Archer Wealth)
- Q: Does Archer Wealth lend direct to borrowers?
  A: No. Archer Wealth lends exclusively through accredited mortgage brokers. Borrowers without a broker are matched to one of our partners covering their postcode within one business day.
- Q: How fast does Archer Wealth settle a private mortgage?
  A: Standard bridging or first-mortgage files settle in 3-5 days. Commercial files: similar. Development: 3-6 weeks because of QS, legal, and drawdown set-up. Rapid product targets 3-day settlement on property-secured facilities between $100k and $2m. Indicative terms come back same business day.
- Q: What is Archer Wealth's maximum LVR on a first mortgage?
  A: Up to 75% LVR on metro residential houses, 65% on apartments, 60% on commercial. Second mortgages up to 80% combined LVR. Exceptions go to the credit committee with structuring proposals.
- Q: What are Archer Wealth's indicative rates?
  A: First mortgage residential from 7.99% p.a. Flagship Edge first mortgage from 8.49% p.a. Commercial first mortgage from 7.99% p.a. Establishment fee on bridging from 1.25% of the facility. Actual pricing on any file is set by the credit team.
- Q: Where does Archer Wealth lend?
  A: Australia-wide. Head office is in Sydney (Bondi Junction, NSW). Files have been written across NSW, VIC, QLD, WA, SA, and ACT. Tasmania and Northern Territory are case-by-case. The fund is not available to investors or borrowers in the EU, UK, US, or other foreign jurisdictions.
- Q: Is Archer Wealth licensed?
  A: Yes. AFSL 548263 is held by Archer Wealth Capital Pty Ltd, verifiable on ASIC's professional registers. Archer Wealth Pty Ltd operates as its Corporate Authorised Representative (CAR 1291674).
- Q: Is Archer Wealth a non-bank lender?
  A: Yes. Archer Wealth is an Australian non-bank lender. It is not an authorised deposit-taking institution (ADI), does not take customer deposits, and is regulated by ASIC under AFSL rather than by APRA. It lends for business and investment purposes only, not regulated consumer credit.
- Q: How does Archer Wealth compare to a bank?
  A: Banks usually win on long-term rate for files that fit standard policy. Archer Wealth wins on speed (same-day terms, 5-day settlement), structuring flexibility (capitalised interest, short-dated facilities), and capacity to write files outside standard bank policy. Pricing reflects the cost of private capital.

## Legal
- [Privacy](https://archer-wealth.com/privacy): Compliance with the Privacy Act 1988 (Cth)
- [Disclaimer](https://archer-wealth.com/disclaimer): Website disclaimer, fund disclaimer, copyright notice

## Operational facts
- AFSL: 548263, held by Archer Wealth Capital Pty Ltd (verifiable on ASIC's professional registers)
- Corporate Authorised Representative: Archer Wealth Pty Ltd (CAR 1291674)
- Founded: 2019
- Headquarters: Sydney, NSW, Australia (Bondi Junction)
- Coverage: Australia only, not available to investors or borrowers in the EU, UK, US, or other foreign jurisdictions
- Funds under management: $637m+ across warehouse facilities, the Archer Wealth Investment Fund, P2P investors, balance-sheet capital
- Distribution channel: broker-originated deals only (no direct-to-consumer lending)
- Loan purposes: business and investment only (not regulated consumer credit under the NCCP)
- Recognition: Financial Times High Growth Companies Asia-Pacific 2026
- llms.txt last refreshed: 2026-06-13