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