01
Bridging — bayside
Brighton residence under contract to sell, Toorak acquisition settling first. Bank refused to unconditional ahead of the sale settlement. 6-month bridge at 65% LVR with capitalised interest.
Private lenders · Melbourne
Melbourne private lenders, run from the same credit desk that decides Sydney files.
We write the Melbourne book out of Sydney HQ, but with a credit lens calibrated to Victorian market behaviour. Bridging, first and second mortgages, commercial and development files across the metro and regional Victoria. Always broker-introduced.
The Melbourne market
Real underwriting, local calibration.
Melbourne's private credit market behaves differently to Sydney. The residential secondary market is more sensitive to settlement risk in the outer ring, the apartment cycle has been longer through 2024–2026, and the commercial book sees more retail and mixed-use security than its Sydney equivalent. Underwriting to a Melbourne file means tightening the LVR cap on apartment security relative to detached, and weighting the exit work harder on the file.
Where we lean in is the bridging-and-out file. Melbourne brokers see more delayed-settlement bridging than any other state, and a clean bridge sized to the exit value — not the entry value — is the cleanest profile we write. Same lens for second mortgages: combined LVR caps inside the standard envelope, exit on a sale or refinance documented at submission.
Same-team underwriting, same indicative-equals-formal, same direct line to credit. The geographic distance is an artefact of our cap-table footprint; the credit lens is the same one running every other file in the book.
Files we've written in Melbourne
The shapes that actually clear.
02
Second mortgage — inner-east
Working-capital release behind a major-bank first mortgage on a Hawthorn residence. Combined LVR 76%, 12-month tenor, exit on a planned refi to a tier-two non-bank.
03
Commercial — Melbourne CBD fringe
Investment-grade commercial file in Cremorne — partially tenanted, value-add story credible. CommercialX 24-month interest-only with structured covenants and a 9-month rent stabilisation milestone.
Representative deal shapes · Not specific transactions · For information only
Suburbs we write in
Melbourne coverage, established suburbs.
Representative — not exhaustive. The book runs across the metro and into regional Victoria. Your broker will know whether the postcode fits before they submit.
- Toorak
- South Yarra
- Fitzroy
- Brighton
- Box Hill
- Williamstown
Why a Sydney-HQ lender
Geography is the file's, not the lender's.
A Sydney head office isn't a constraint on Melbourne files — the credit committee meets daily, the indicative comes back same-day, and the broker portal is the same one Sydney files run through. What changes for Melbourne is the credit lens, not the operating model.
Questions on Melbourne files
The ones brokers and borrowers ask.
Does Archer Wealth lend in Melbourne?
Yes. Archer Wealth writes Melbourne 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 Victoria 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 Melbourne file in front of credit