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Bridging — Burleigh Heads
Established Gold Coast borrower under contract to sell Burleigh Heads residence, acquiring a larger detached home in Mermaid Beach. 6-month bridge at 60% LVR, capitalised interest.
Private lenders · Gold Coast
Gold Coast private lenders, written for a market that's anything but steady.
The Gold Coast has been one of the most volatile residential markets in the country since 2020. We write Gold Coast files with the LVR caps and exit work that the cycle actually demands — not the headlines.
The Gold Coast market
Real underwriting, local calibration.
The Gold Coast has run hotter and colder than any other Australian residential market over the past three years. Migration in, then settlement-cycle pressure, then headline correction, then renewed demand into 2026 — the secondary market depth varies suburb by suburb in a way that doesn't map to the headlines. Underwriting to that means working harder on recent local comparables, tighter LVR caps on apartment security, and weighting the exit story more heavily than on equivalent inland files.
Where the Gold Coast book reads cleanest is bridging-and-out on detached residential in the established suburbs (Mermaid Beach, Burleigh Heads, Bundall) where the secondary market is reliable, and first-mortgage refinance on owner-occupiers with credible exit stories. The high-rise apartment market is one we approach more selectively — combined LVR caps tight, exit on a documented sale to a fully-financed buyer.
Commercial files on the Coast are usually mixed-use or retail strip — CommercialX is the right vehicle, cashflow-underwritten with tested covenants. Development files into the high-rise apartment pipeline go to the credit committee with structuring on every file.
Files we've written in Gold Coast
The shapes that actually clear.
02
First mortgage — Robina
Self-employed Gold Coast professional acquiring a Robina residence. Bank fails on the income test, file stacks on commercial reality. 18-month first mortgage at 65% LVR with refi exit at month 14.
03
Development — pre-DA acquisition
Experienced developer acquiring a Broadbeach site pre-DA, with the option to extend through DA grant. LandX site loan with structured extension tied to DA milestone.
Representative deal shapes · Not specific transactions · For information only
Suburbs we write in
Gold Coast 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.
- Mermaid Beach
- Burleigh Heads
- Surfers Paradise
- Bundall
- Robina
- Broadbeach
Why a Sydney-HQ lender
Geography is the file's, not the lender's.
Gold Coast files reward conservative underwriting more than any other market we write. The headline yields look attractive but the cycle eats the careless. We write the book that survives the next correction — tight LVRs, documented exits, sponsor-strong files first.
Questions on Gold Coast files
The ones brokers and borrowers ask.
Does Archer Wealth lend in Gold Coast?
Yes. Archer Wealth writes Gold Coast 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 Gold Coast file in front of credit