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.