01
Development — outer Brisbane
Site-acquisition for an established Brisbane developer in Logan. DA in train, presales committee meeting in 6 weeks. LandX site loan to settle the option, refinance to construction at DA grant.
Private lenders · Brisbane
Brisbane private lenders, calibrated to the SEQ market cycle.
Queensland has been the fastest-moving private credit market in the country since 2022. We write the Brisbane and broader SEQ book with a credit lens calibrated to local comparables, not to Sydney prices held over.
The Brisbane market
Real underwriting, local calibration.
Brisbane and broader south-east Queensland have moved faster than any other state since 2022. Population growth, infrastructure pipeline tied to the 2032 Olympics, and migration from southern capitals have all compressed timelines on settlement and stretched comparables upward. Underwriting to that means tightening the work on recent local comparables and being more conservative on stabilisation timelines than the headline numbers suggest.
The Brisbane book leans more heavily into development files than the Sydney or Melbourne books. Site-acquisition, DA-hold and short-term first-mortgage construction lead-ins through LandX are a meaningful share of file volume. The commercial book picks up Gold Coast and Sunshine Coast fringe as well as the metro CBD.
On residential, the bridging and first-mortgage profile mirrors the southern states — bridges sized to the exit, first mortgages with a clean exit at month 12–18 to a major-bank refi. Same-day indicative, indicative equals formal, broker-channel only.
Files we've written in Brisbane
The shapes that actually clear.
02
Bridging — inner Brisbane
New Farm residence under contract to settle, Hawthorne residence under contract to sell two weeks later. 4-month bridge at 60% LVR with interest serviced. Exit on the Hawthorne settlement.
03
First mortgage — self-employed borrower
Self-employed Brisbane borrower with 16 months trading history, acquiring a Bulimba residence. Bank policy fails on the trading-history threshold. 24-month first mortgage at 70% LVR with refi exit at month 20.
Representative deal shapes · Not specific transactions · For information only
Suburbs we write in
Brisbane coverage, established suburbs.
Representative — not exhaustive. The book runs across the metro and into regional Queensland. Your broker will know whether the postcode fits before they submit.
- New Farm
- Bulimba
- West End
- Toowong
- Hamilton
- Newstead
Why a Sydney-HQ lender
Geography is the file's, not the lender's.
Queensland's private credit market is wider and shallower than NSW's — more lenders, less depth on any one file. We're writing it because the underlying book quality is strong when underwriting is honest about local comparables. The Brisbane brokers we work with most know we don't price the cycle, we price the credit.
Questions on Brisbane files
The ones brokers and borrowers ask.
Does Archer Wealth lend in Brisbane?
Yes. Archer Wealth writes Brisbane files across bridging, first and second mortgages, commercial and (where the file suits) development. The book is written from Sydney head office but the credit lens is calibrated to the Queensland market.
Does Archer Wealth lend directly to borrowers?
No — Archer Wealth lends exclusively through accredited mortgage brokers. If you don't have a broker, the borrowers hub will match you to one of our partners covering your postcode within one business day.
How fast can private lending settle?
Standard bridging and first-mortgage files settle in 3–5 days. Commercial files: similar. Development files: 3–6 weeks because of QS, legal, and drawdown set-up. Indicative terms come back same-day.
What is Archer Wealth's maximum LVR?
Up to 75% LVR on metro residential first mortgages (70% on apartments), 60% on commercial, 80% combined on second mortgages. Anything above the standard envelope goes to the credit committee with structuring attached.
Get a Brisbane file in front of credit