Brokers
Direct Access to In-House Capital
Partner with a trusted private lender offering first and second mortgages from 150K to 10M with no investor matching or hidden fees.
Settlement Certainty for Your Clients
Experience the speed of a team that can settle loans within 24 hours of formal approval on terms ranging from 1 – 12 months.
| Key Feature | Institutional (Bank) Lending | Private Lending (PBL) |
|---|---|---|
| Source of Funds | Public deposits and shareholders. |
100% In-House Capital Direct funding using our own internal capital. |
| Loan Capacity | Highly variable based on rigid credit scoring. | Substantial funding from $150K to $10M. |
| Decision Speed | Slow; often weeks or months due to rigid bureaucracy. | Fast; settled within 24 hours of formal approval. |
| Investor Process | Complex institutional hierarchy. | No investor matching or third-party syndication required. |
| Flexibility | Rigid, one-size-fits-all loan products. | Tailored terms from 1 to 12 months to suit your business. |
| Fee Structure | Multiple ongoing and hidden administrative costs. | Transparent lending with no hidden or monthly fees |
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Frequently asked questions
No. Property Based Lending (PBL) specializes exclusively in commercial and investment property finance. We do not provide loans secured against residential owner-occupied properties.
By focusing solely on the commercial sector, we are able to provide faster internal property evaluations and more flexible loan structures than traditional consumer-facing lenders.
Having a significant first mortgage with a traditional bank does not necessarily prevent you from accessing further capital.
If there is sufficient equity remaining in your commercial or investment property, a Second Mortgage through PBL is the ideal solution.
This allows you to top up your funding without the need to refinance or disturb your existing bank loan. Because we use our own capital, we can evaluate the remaining equity and provide a tailored loan facility - loans settled often within 24 hours.
At Property Based Lending, we pride ourselves on being the quickest on the market. Once your application has moved through our internal assessment and received formal approval, we can often settle the loan within 24 hours.