When you’re eyeing your next investment property, timing is everything. Whether you’re managing a tight settlement window, juggling multiple projects, or simply want to keep your capital working elsewhere, having fast access to funds for your investment property deposit can make all the difference. Over the years, we’ve advised and assisted borrowers across Australia with tailored solutions for investment property deposits—helping them secure opportunities without unnecessary delays or stress. Assess your scenario today.
Why Use a Secured Loan for Investment Property Deposits?
A secured loan is a straightforward way to unlock the equity in your existing property—residential or commercial—to fund a deposit on your next investment. Instead of liquidating assets or disrupting your business cash flow, you can leverage what you already own. This approach is especially useful when you need to act quickly, such as at auction or when a rare property comes to market.
- Fast access to funds: With the right lender, you can secure funding within 24 hours, often with same day settlement.
- Certainty and flexibility: You know exactly how much you can borrow, and you can structure repayments to suit your timeline.
- No need to sell assets: Keep your portfolio intact and your capital invested where it works best for you.
- Competitive rates: Secured business loans typically offer better rates than unsecured options, thanks to the reduced risk for the lender.
How Does a Secured Loan Work for Investment Property Deposits?
A secured loan uses your existing property as collateral. This could be your home, an investment property, or a commercial asset. The lender registers a mortgage or caveat over the property, giving them security in case of default. In return, you get access to a lump sum—often up to 70% of the property’s value—within a very short timeframe.
You can use this funding for your investment property deposit, bridging the gap between contract exchange and final settlement. Once your long-term finance is in place, or you’ve sold another asset, you simply repay the secured loan.
Bridging Loans: A Practical Solution for Urgent Settlement
Bridging loans are a popular form of secured lending, designed specifically for situations where timing is tight. If you’ve found the right investment property but your funds are tied up in another asset, a business bridging loan can provide the deposit you need—fast.
With bridging loans, you don’t have to miss out on a great opportunity just because your cash flow is temporarily constrained. These loans are short-term, flexible, and can be arranged for urgent settlement, often with same day settlement or funding within 24 hours. This means you can move forward with confidence, knowing your deposit is covered while you finalise your long-term finance or complete a sale.
Why Choose a Private Lender?
Traditional banks can be slow, rigid, and often require extensive documentation. As a Private Lender in Australia, Secured Lending operates nationwide—servicing Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank commercial lender, which means we can move quickly, assess your scenario on its merits, and provide solutions that mainstream lenders can’t.
Our process is streamlined and direct. We focus on the value of your security property and your exit strategy, not just your credit score or business history. This allows us to offer secured business loans, second mortgage, and bridging loans for investment property deposits with minimal fuss and maximum speed.
Real-World Scenarios: How Secured Lending Helps
- Auction purchases: You’ve won a property at auction and need to pay the deposit immediately. We can arrange a secured loan with same day settlement, so you don’t risk losing the property.
- Multiple projects: You’re managing several investments and want to keep your capital working. A secured loan lets you access equity for a new deposit without selling existing assets.
- Short-term cash flow gaps: Your funds are tied up in a pending sale or business deal. A secured loan bridges the gap, ensuring you meet your deposit deadline.
- Complex structures: You have a trust or company structure. As a private lender, we can review and structure loans to suit your needs, not just tick boxes.
The Benefits of Working with Secured Lending
- Speed: We specialise in urgent settlement, with funding within 24 hours and same day settlement available.
- Certainty: We confirm your loan amount upfront, so you can negotiate with confidence.
- Flexibility: We offer second mortgages, bridging loans, and secured business loans tailored to your scenario.
- Expertise: We’ve facilitated over $500m in loans for urgent settlement needs, including investment property deposits.
- Personal service: You deal directly with decision-makers who understand the pressures and timelines of property investment.
How We Can Help
Secured Lending is here to help you move quickly and confidently when you need a secured loan for investment property deposits. We review your scenario, structure the right solution, and coordinate fast settlement—so you can focus on your next investment, not the paperwork.
We’ve provided strategic lending advice for investment property deposits in the past, and can help assess your scenario. With Secured Lending, you can leverage your residential or commercial property as security, ensuring you have the funds you need, when you need them.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1. What types of property can I use as security for a secured loan for investment property deposits?
You can use residential or commercial property as collateral. We do not accept other asset types such as vehicles or equipment.
2. How quickly can I access funds for my investment property deposit?
We can arrange funding within 24 hours, with same day settlement possible for urgent settlement needs.
3. Can I use a secured loan if I have a complex company or trust structure?
Yes, as a private lender, we can review and structure loans for a range of ownership structures, including companies and trusts.
4. What is the typical loan term for a secured loan for investment property deposits?
Most secured loans for deposits are short-term, usually 1 to 12 months, designed to bridge the gap until your long-term finance is in place.
5. Do you operate Australia-wide?
Yes, Secured Lending is a private, non-bank lender operating across Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra.
