Areas served: Melbourne metro, Inner Metro, Western Growth Corridors, South East, Geelong, Mornington Peninsula
Melbourne's diverse property market creates opportunities that don't always fit bank parameters. Whether it's a time-sensitive acquisition, a borrower with non-standard circumstances, or a development scenario requiring flexible capital, Get Solutions provides private finance solutions across Melbourne metro and Victoria.
We complement banks rather than compete with them. Our role is to provide capital when traditional timelines or policies don't work. Fast assessment, sensible terms, and a credit team that looks for ways to make deals happen.
As a private lender in Melbourne, we offer investment loans, bridging finance, development and construction funding, land acquisition facilities, second mortgages, and mezzanine capital. Our products address real scenarios where standard solutions fall short.
For brokers, we provide genuine partnership on complex deals. Fast preliminary assessment, competitive commissions, and collaborative problem-solving. For borrowers, we deliver certainty of execution and professional service throughout.
Why Brokers Choose Get Solutions
Fast Decisions
Preliminary assessment within 24-48 hours. No waiting weeks for credit committee.
Execution Certainty
When we say yes, we deliver. Our approval-to-settlement rate exceeds 95%.
Local Expertise
Deep understanding of Melbourne property markets and development corridors.
Broker Focused
We protect your client relationships and pay competitive commissions.
Our Finance Solutions
As a private lender, we offer a range of products to suit different situations. The right solution depends on your client's specific needs, timeline, and exit strategy.
Investment Loans
Income-backed senior loans for stabilised investment assets
Learn moreDevelopment Finance
Senior capital for land and construction, structured as one facility
Learn moreLand Banks
Capital to secure and hold development sites ahead of execution
Learn moreStall'd Projects
Completion capital for stalled or partially completed developments
Learn moreSecond Mortgage / Mezzanine
Structured capital to solve equity gaps without refinancing senior debt
Learn moreResidual Stock / Unsold Units
Liquidity solutions for completed developments with unsold stock
Learn moreBridging Finance
Short-term capital to solve timing and execution gaps
Learn moreMelbourne Scenario Examples
Self-Employed Borrower
A Melbourne business owner with strong assets but variable income was declined by multiple banks. We assessed the deal on security quality and provided $1.8M investment finance within 3 weeks, giving them time to demonstrate income to banks.
Competitive Acquisition
An Inner East investor needed to move fast on a property where the vendor had other offers. Banks quoted 6-8 weeks. We provided $2.2M bridging finance in 14 days, allowing them to secure the asset.
Development Rescue
A Western suburbs developer's original funder withdrew due to internal policy changes. We assessed the project, confirmed viability, and provided $6.4M development finance within 3 weeks to keep the build on track.
Second Mortgage for Cost Overruns
A South East developer needed additional capital after construction cost increases. Their senior lender was at capacity. We provided $900K mezzanine finance to complete the project and reach settlement.
These scenarios are illustrative examples based on typical transactions. Individual circumstances vary and all applications are subject to credit approval.
Frequently Asked Questions
What is private lending and how does it work?
Private lending provides property-backed finance outside traditional bank channels. We assess deals based on security quality and exit strategy, providing faster decisions and more flexible terms. Loans are secured by registered mortgage over property.
Why would I use a private lender instead of a bank?
Private lenders in Melbourne offer speed (weeks not months), flexibility on security and borrower circumstances, and the ability to fund scenarios banks decline. We're valuable for time-sensitive deals, complex situations, and development projects.
What interest rates do private lenders charge in Melbourne?
Private lending rates in Melbourne typically range from 8-16% p.a. depending on loan type, LVR, and risk profile. Inner suburban security may attract better rates. The cost should be weighed against the opportunity the funding enables.
Is private lending regulated in Australia?
Yes, private lenders operate under ASIC regulation and relevant credit legislation. Get Solutions is a licensed credit provider committed to responsible lending practices, transparent terms, and professional service standards.
What types of loans do private lenders offer?
We offer investment loans, bridging finance, development and construction finance, land acquisition facilities, second mortgages, mezzanine finance, and specialty capital for complex situations.
How do I know if private lending is right for my situation?
Private lending suits time-sensitive deals, complex borrower circumstances, unusual security, development projects, and scenarios where bank timelines or policies don't fit. Contact us to discuss your specific situation honestly.
What security do you lend against in Melbourne?
We lend against residential, commercial, industrial, and development property across Melbourne metro. We have strong appetite for Inner East, Inner North, CBD fringe, and established suburbs. Security must have clear title and realistic valuation.