From 8.75% p.a. · Up to 75% LVR · $1M – $20M
First Mortgage
Primary-security funding from $1M to $20M, priced from 8.75% p.a. with LVRs to 75%.
Fast. Flexible. Transparent.
Fast, flexible funding for complex property deals.
Malouf Capital is an Australian private lender providing fast, flexible and transparent funding for complex property and business deals — from $50,000 to $20 million, secured by residential, commercial, industrial and development property.
We underwrite on the strength of the security and the exit strategy rather than a credit scorecard, which is why our borrowers get a conditional answer in minutes and most loans settle in a matter of days, not months.
- $50k to $20m
- First and second mortgages secured by Australian real property.
- Asset-first underwriting
- We assess the security and the exit, not a credit scorecard.
- Lending Australia-wide
- Sydney head office, funding deals across the country.
Step 1 of 4 · What you need
- To a conditional answer
- MinutesTo a conditional answer
- Loan size range
- $50k – $20mLoan size range
- Typical time to funding
- < 3 daysTypical time to funding
- First mortgages from, p.a.
- 8.75%First mortgages from, p.a.
Our lending
Six ways we fund Australian property and business
Every facility is secured by real property and structured around your exit — whether that's a sale, a refinance or the completion of a build.
From 12% p.a. · Up to 80% LVR · $50k – $1M
Second Mortgage
Equity release behind your existing loan — $50k to $1M, no need to refinance.
High-value short-term facilities · Interest capitalised
Bridging Loans
Short-term funding that covers the gap between buying and selling.
Secured by property · Short and intermediate terms
Business Loans
Secured short-term business funding, approved and settled in days.
Office · Retail · Industrial · Mixed use
Commercial Loans
Acquire, refinance or redevelop commercial and industrial property.
Land to completion · Immediate drawdowns · JV & PE
Property Development, JV & Private Equity
Construction, development, joint venture and private equity funding.
How it works
Apply today, funded this week
Four steps, no bank committee. You always know where the deal stands and what it costs.
- Step 1
Apply and receive
Send us the scenario in two minutes. No paperwork to start and no impact on your credit score.
- Step 2
Lightning-fast approvals
A conditional offer comes back in minutes, based on the security and your exit strategy.
- Step 3
Personalised for you
We structure the facility around the deal — LVR, term, capitalised interest and drawdowns.
- Step 4
Funds deposited
Documents, valuation and settlement handled by our team. Most loans fund in under three days.
Why Malouf Capital
A lender built for deals the banks can't complete in time
We're a private lender, not a broker. That means we make the credit decision, we set the terms, and we can commit to a settlement date — which is why borrowers come to us when the timeline is fixed and the bank has run out of road.
- Certainty of execution — a conditional answer in minutes and a settlement date you can build around
- Asset-first assessment, so complex, self-employed and time-critical deals still get funded
- First mortgages from 8.75% p.a. to 75% LVR, second mortgages from 12% p.a. to 80% LVR
- Every rate, fee and cost disclosed in writing before anything is lodged — no surprises at settlement
Insights & news
Company insights
Settlement notes, market commentary and practical guidance on first and second mortgages — written by the team doing the deals.
Common questions
Straight answers, before you apply
Still unsure? Call 1300 208 196 and ask — there's no cost and no obligation.
What does Malouf Capital lend against?
Real property. We fund first and second mortgages over residential, commercial, industrial and development property in qualifying Australian locations, from $50,000 up to $20 million.
How fast can a loan settle?
You can receive a conditional offer within minutes of enquiring, and most loans are funded in less than three days once we hold valuation and security documents. Development facilities take longer because of the QS and approval process.
Does an enquiry affect my credit score?
No. Our assessment is asset-first — we look at the strength of the security and your exit strategy rather than a credit scorecard, and an enquiry does not impact your credit score.
What do your loans cost?
First mortgages start from 8.75% p.a. with LVRs up to 75% on major-city residential security. Second mortgages start from 12% p.a. with LVRs up to 80%. Final pricing depends on LVR, location and asset class, and every fee is disclosed in writing before anything is lodged.
Do you lend outside Sydney?
Yes. We lend Australia-wide. Major cities, regional centres such as Newcastle, Wollongong, Geelong and the Central Coast, and destinational markets are all considered — locations outside those are assessed case by case.
Can you take a second mortgage behind my existing loan?
Yes. A second mortgage sits behind your current first mortgage, so you can release equity for business or investment purposes without refinancing or disturbing the loan you already have.
Enquire now
Send us your scenario
Tell us the security, the amount and the exit. We'll come back with an indicative rate, LVR and timeline — obligation free, with no impact on your credit score.