When the bank mortgage doesn't fit, a private mortgage often does.
Archer Wealth provides private mortgages across Australia for scenarios the major banks can't fund in time. Always introduced through an accredited mortgage broker, never direct.
First, second, bridging. All first-mortgage backed where applicable.
Senior-secured against Australian real property. Up to 70% LVR (75% on metro houses), 6-24 month terms. Used for refinance, acquisition, equity release with documented exit.
Top-up capital sitting behind an existing senior lender. Up to 80% combined LVR. Used for working capital, deposit release, settlement-funded exits.
Short-dated cover between settlement events. 1-9 month terms, exit on the sale, refinance or construction completion. Interest capitalised or serviced.
The ones private-mortgage borrowers actually ask.
Speak to your broker first, they'll structure the file and submit it to credit on your behalf. If you don't have a broker yet, the borrower hub can match you to one of ours.
How is a private mortgage different from a bank mortgage?
Private mortgages are underwritten on the deal, security, sponsor, exit, rather than a fixed serviceability formula. Decisions are faster (hours, not weeks), structures more flexible, and pricing reflects the risk and the work.
Can I apply directly?
No, Archer Wealth lends exclusively through accredited mortgage brokers. If you don't have a broker, we'll match you to one of our partners covering your postcode within one business day.
What's a typical loan size?
$500k to $7.5m per obligor group across the trust eligibility envelope. Larger files considered as exceptions.
How fast can settlement happen?
Standard bridging or first mortgage: 3-5 days. Commercial: similar. Development: 3-6 weeks because of QS, legal and drawdown set-up.
We'll match you to a broker who covers your postcode.
One business day to match. They'll reach out, not us.