Archer Wealth is a Sydney-headquartered private credit firm: first and second mortgages, bridging, development and commercial.
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 why it can't.
Archer Wealth's credit team reviews every file rather than pricing by algorithm.
For how a caveat, a second mortgage and short-dated bridging actually differ, see caveat loans and second mortgages. For how the channel compares to a bank, see private credit vs bank lending.
Your broker submits the scenario: security, purpose, amount, exit. No application forms at this stage, just the shape of the deal.
Credit reviews the scenario and returns indicative terms. Rate, LVR, tenor and conditions, stated up front.
Formal submission with supporting documents, an independent valuation on the security, and a credit committee vote.
Solicitors exchange and funds settle. The exit is documented before the loan settles, not after.
Same-team underwriting from scenario to settlement. Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry. 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.
Conservative LVR caps (75% metro houses, 65% apartments, 60% commercial), exit-first underwriting, documented sponsor and security. Every loan voted by the credit committee.
Contact our team to discuss the submission process. Broker remuneration, payment conditions and any clawback arrangements are governed by the applicable written agreement.
Archer lends against three security classes, and the LVR ceiling moves with the class. Residential is the strongest tier, vacant land the tightest, because the recovery value of a site hold is more speculative than a house.
Facilities start at $250,000 for a first mortgage and $100,000 for a second. The full card, every band and every rate, is published on the rate card for brokers. All pricing is indicative and subject to credit approval. Request pricing for your transaction. The interest rate, fees, loan amount, term and security requirements are assessed for each application.
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry. 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.
What moves that timeline is the file. A clean title, a responsive valuer and, on a second mortgage, a cooperative first mortgagee are what let a file run to the short end. A contested title or an outstanding valuation will not, whoever is funding it. Where the clock is the whole problem, the private lending scenarios index sets out the shapes we see most.
Private lending costs more than a bank facility, and on a short-dated file the headline rate is not the number that matters. What matters is the rate over the actual term plus the establishment fee, valuation and discharge costs, measured against what the transaction is worth.
The structural components are published rather than quoted deal by deal. The establishment fee is 1.50% of the loan amount, excluding GST. Standard pricing runs to $10m, above which transactions are accommodated on tailored pricing. The minimum borrower credit score is 500. All of these figures are indicative and subject to credit approval; formal pricing on any given file depends on security quality, sponsor, exit and structuring.
To model a specific file end to end, the bridging cost calculator runs interest, establishment and exit costs over a real term. Note it excludes valuation, legals and mortgage stamp duty, so treat its output as the funding cost rather than the settlement figure.
Archer does not publish a decline list, because there is no deal shape that is an automatic no. What follows are the cases where a call before submission saves everyone time, and where the answer may be that another lender fits better.
Rarely funded. Not an automatic no, but worth a call before you put a client through an application.
Facilities start at $250,000 for a first mortgage and $100,000 for a second. Below that, a conversation about structure is more useful than a submission.
A caveat is taken as additional security alongside a registered first or second mortgage, not written on its own. Most files presented as a caveat need are written cleaner as a registered second mortgage.
Anything else, submit it. The credit team would rather read a file that turns out not to fit than have a broker decide on our behalf. Full lending criteria and the rate card are published for brokers placing property-secured deals. All lending is subject to credit assessment and approval.
Asset under contract, settlement window tightening, bank can't unconditional in time. Bridging facility, exit on the sale settlement.
Recently self-employed, unusual income mix, ATO arrears with payment plan. Where bank policy says no, the file is fundable on commercial reality.
Mixed-use, partially tenanted, multiple titles, specialist class. Structured against tenure and exit, not policy formula.
Stamp duty shortfall, settlement about to fall over. The security is equity in an unencumbered second property. Property-secured.
Tell us where the proposed security is located so its eligibility can be assessed. The credit lens is calibrated to the local market for each geography, the underwriting team is the same on every file.
A private lender is a non-bank credit provider that funds property-secured loans from wholesale capital rather than retail deposits. In Australia, private lenders write first mortgages, second mortgages, bridging loans, caveat loans, development finance and commercial property loans, underwriting each file on its security, sponsor and exit rather than a centralised serviceability formula.
The broker submits a scenario, the lender's credit team returns indicative terms, a formal submission with an independent valuation follows, and the file settles once credit approves. The loan is sized to a documented exit, usually a sale, a refinance to a bank, or a business event.
Financial services licensing and consumer credit licensing are different regimes. Which requirements apply depends on the entity, its activities, the borrower and the purpose of the credit. An Australian financial services licence does not guarantee an investment and is not a substitute for APRA prudential supervision. Loans are subject to credit assessment; property-secured lending carries the risk of loss of the security on default.
Banks underwrite to a fixed serviceability formula and centralised credit policy, which delivers cheap capital slowly and only to files that fit. Private lenders underwrite file by file on commercial merit, which delivers faster decisions and flexibility on non-standard files at a higher cost of capital. For long-term holds at low rates the bank is usually right; for time-critical or policy-edge files, a private lender often is.
Request pricing for your transaction. The interest rate, fees, loan amount, term and security requirements are assessed for each application.
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry.
Private lenders lend against real property taken as security under a registered mortgage. Archer Wealth writes against three security classes: residential, meaning houses, units and apartments; commercial, meaning investment, owner-occupied and specialised commercial property; and vacant land, covering land, site holds and development entry. A caveat is taken as additional security alongside a registered first or second mortgage rather than as a facility on its own. Lending is for business and investment purposes only.
It depends on the security class, because recovery value does. At Archer Wealth, standard delegation runs to 75% LVR on residential, 70% on commercial and 65% on vacant land. Higher tiers are available with credit committee sign-off: 80% on residential, 75% on commercial and 75% on vacant land. On a second mortgage the cap applies across the combined position, not just the new facility. Every band and rate is published on the broker rate card, and all pricing is indicative and subject to credit approval.
Archer Wealth does not publish a decline list, because no deal shape is an automatic no and every file goes to a BDM. Three cases are worth a conversation before you put a client through an application: rural and agricultural security, which is rarely funded; facilities below the minimums of $250,000 for a first mortgage and $100,000 for a second; and standalone caveat facilities, which Archer does not write, as most files presented as a caveat need are written cleaner as a registered second mortgage.