Speed without shortcuts
Indicative terms in 4–24 hours. Formal credit submission in 2–3 days. Settlement 3–5 days for standard files. Same-team underwriting from scenario to settlement — what we indicate is what we formalise.
Private lenders · Australia
Australian private lending, written same-day.
Archer Wealth is a Sydney-headquartered private credit firm lending nationally — first and second mortgages, bridging, development and commercial. AFSL 548263. Broker-channel only.
What private lending is
Real underwriting, not a calculator.
Private lending fills the gap between bank policy and commercial reality. Banks underwrite to a fixed serviceability formula; private lenders underwrite to the deal — the security, the sponsor, the exit. Where the bank declines on a policy edge case, a private lender either funds the file properly or tells you fast why it can't.
Archer Wealth sits at the institutional end of the private lending market — wholesale-funded, AFSL-licensed, broker-originated, with a credit team that reviews every file rather than pricing-by-algorithm. The book is first-mortgage backed, conservatively LVR-capped, and voted by the credit committee.
How we differ
Three things that make a difference on every file.
Disciplined first-mortgage policy
Conservative LVR caps (75% metro houses, 65% apartments, 60% commercial), exit-first underwriting, documented sponsor and security. Every loan voted by the credit committee.
Broker-channel only
We work exclusively through accredited mortgage brokers. Borrowers reach us through their broker — never direct. Trail and upfront protected.
When private lending fits
The deals we actually settle.
Bridging-and-out
Asset under contract, settlement window tightening, bank can't unconditional in time. Bridging facility, exit on the sale settlement.
Bank-decline
Recently self-employed, unusual income mix, ATO arrears with payment plan. Bank policy says no; the file is fundable on commercial reality.
Complex security
Mixed-use, partially tenanted, multiple titles, specialist class. Structured against tenure and exit, not policy formula.
Settlement-rescue short-term
Stamp duty shortfall, 72-hour funding window, equity in an unencumbered second property. Property-secured, settled in days.
Get a deal in front of credit