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AlphaconCapital
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1300 450 339Submit a deal

Broker-first private lending

The private lender
elite brokers trust

A Sydney private lender writing first and second mortgages of $100,000 to $10 million on Australian property for companies and trusts, from 8.50% p.a. Decisions in hours, and the relationship stays yours from first call to final payout.

Submit a deal1300 450 339
  • Same-day indicative terms
  • No clawbacks, ever
  • Your client relationship stays yours
  • Settles in 2 to 4 weeks, fastest 5 days
“After exhausting so many other avenues, Alphacon delivered a solution where others couldn't.”
Lance K. · Finance broker · Queensland
“Settled fast, while a bank was still asking my client for tax returns. Alphacon looked at the asset and moved.”
Daniel R. · Finance broker · Melbourne
“Looking at the security instead of income meant my self-employed clients finally had a path. It's now my first call.”
Priya R. · Mortgage broker · Sydney
“Indicative terms came back on a Sunday afternoon. My client exited early with no penalty once the sale went through.”
Tom W. · Finance broker · Brisbane
Private lender interest rates
Bridgingfrom8.50% p.a.· 75% LVR · No risk fee/
Fast settlementfrom9.49% p.a.· 75% LVR · 24hr approval/
Construction & developmentfrom9.49% p.a.· 75% LVR · Draw-only interest/
2nd mortgagefrom9.95% p.a.· 70% LVR · Behind a first/
Regionalfrom9.95% p.a.· 70% LVR · Every postcode/
Bridgingfrom8.50% p.a.· 75% LVR · No risk fee/
Fast settlementfrom9.49% p.a.· 75% LVR · 24hr approval/
Construction & developmentfrom9.49% p.a.· 75% LVR · Draw-only interest/
2nd mortgagefrom9.95% p.a.· 70% LVR · Behind a first/
Regionalfrom9.95% p.a.· 70% LVR · Every postcode/

For brokers

Your deals settled.
Your clients protected.

Fast approvals, reliable settlements, and a product suite that covers the deals banks walk away from. Submit through a private lender built for brokers and the relationship stays yours - we work the deal, you keep the file.

Under 4 hours
First response
Same day
Indicative terms
Direct line
To decision makers
On settlement
Commission paid
Submit a deal Get accredited

The broker program

Settle more with us.
Earn more on every deal.

You are on the ladder the day you accredit. Every step up lifts the rate, shortens the turnaround and hands you more credit authority - and the numbers are shown the moment your accreditation clears.

  1. Accredited

    Tier 1 of 3

    Qualify

    Sign up

    Fast-start bonus
    ••••Locked - visible to accredited brokers
     
     

    Shown to accredited brokers

    From the day you accredit

    • Two-hour terms, business days
    • First look at rate promotions

  2. Preferred

    Tier 2 of 3

    Qualify

    $20m settled, rolling 12 months

    Upfront
    ••••Locked - visible to accredited brokers
    Trail
    ••••Locked - visible to accredited brokers

    Shown to accredited brokers

    Everything in Accredited, plus

    • Two-hour terms, seven days
    • Named BDM and credit analyst
    • Structuring call before you submit
    • Priority valuations

  3. Elite

    Tier 3 of 3

    Qualify

    $40m settled, rolling 12 months

    Upfront
    ••••Locked - visible to accredited brokers
    Trail
    ••••Locked - visible to accredited brokers

    Shown to accredited brokers

    Everything in Preferred, plus

    • Sixty-minute terms, guaranteed, conditions apply
    • Same-call approval inside set limits
    • Direct line to the credit committee
    • Borrower leads in your postcodes
Programme terms

Measured on settled, funded volume over a rolling twelve months, recalculated monthly. Alphacon Capital may vary the commission schedule, the fast-start bonus and the tier thresholds at its discretion and without notice. The rates that apply to a deal are those in force on the day it settles, and nothing here is an offer or a contractual entitlement.

Get accredited to see the numbers

Takes under 5 minutes. You can send a deal before your accreditation completes.

Why brokers work with us

Built for brokers who value
speed, certainty and simplicity.

Six commitments we make on every deal you send us, written around how brokers work with a non-bank private mortgage lender.

Send it today. Terms back today.
A first response inside four business hours, and an indicative position the same business day.
The person who says yes answers their own phone.
No call centre. No ticket queue. One contact throughout.
We never go around you. Not once, not ever.
No direct contact with your client. No cross-selling.
A scenario and an address is a submission.
A light touch to submit. Nothing to chase.
If we say Friday, we're ready on Friday.
No eleventh-hour conditions from our side, provided your client's side is ready too. Your reputation stays intact.
Paid on settlement day, in full, never taken back.
Disclosed on the letter of offer. No clawbacks.
The Alphacon guarantee

$1,000

Paid within ten business days of a claim being accepted

If we issue a term sheet and can’t settle it within 30 days for a reason on our side, we pay you $1,000.

That’s how confident we are in our process. Two exceptions apply, a valuation shortfall or an undisclosed credit issue, and it’s capped at $5,000 per broker.

Put it to the test

On term sheets dated on or before 31 December 2026.
Full conditions.

Our products

Five products.
More ways to structure a deal.

Compare all products

Alphacon Bridge

No risk fee

8.50%p.a. from*

When there's a clear exit

Term
3–60 months
Max
75% LVR
Alphacon Bridge

Alphacon Fast

24hr approval

9.49%p.a. from*

When timing matters

Term
6–24 months
Max
75% LVR
Alphacon Fast

Alphacon Line

Draw-only interest

9.49%p.a. from*

When capital is needed progressively

Term
6–24 months
Max
75% LVR
Alphacon Line

Alphacon Reach

Every postcode

9.95%p.a. from*

When the deal falls outside the usual box

Term
6–60 months
Max
70% LVR
Alphacon Reach

Alphacon Second

Behind a first

9.95%p.a. from*

When the first mortgage is worth keeping

Term
6–60 months
Max
70% LVR
Alphacon Second

*Rates shown are the lowest available on each product, per annum, for a company or trust borrower. All rates, fees and terms are subject to security, LVR and credit approval, and may change.

The full picture

Every parameter, every fee, and what we pay you.

Everything a private business lender should publish, in eight pages: the credit parameters behind all five products, the fee and risk-fee schedule, what a submission needs, and what we pay you for placing it.

Read the Broker Product Guide

Scenarios we fund

Tell us the situation,
not the product code.

Five situations brokers bring us as their commercial private lender. Each page names the products the deal prices on, the parameters credit works to, and the thing that kills it - so you can quote before you submit.

Bridging financeA commercial bridging loan sized on peak debt and repaid from the sale or the refinance, not from your client's income.Equity releaseAn equity release loan against commercial or investment property your client already owns, anywhere in Australia.Refinance & debt rescueAn incumbent lender that has called the loan, or a facility about to expire.Business working capitalAssessed on the property rather than the P&L.SMSF commercial propertyA fund buying business real property under a limited recourse borrowing arrangement.ATO tax debtA secured loan that pays an ATO debt out in full, on the client's timeline.

Capital that moves

Private capital.
Professionally delivered.

Institutional capital and private credit, out of Sydney, on first and second mortgages: an Australian private lender for company and trust borrowers, working through brokers right across the country. The person who prices your deal is the one who answers when you call back about it.

Submit a deal1300 450 339

How it works

From scenario
to settlement.

  1. 01

    Submit

    Three fields, then talk the scenario through. A light touch to get a deal in front of credit.

  2. 02

    Indicative

    Same-day terms, back in your hands. You'll know within hours whether the deal works.

  3. 03

    Approval

    Formal credit assessment, complete submissions approved same day.

  4. 04

    Valuation & Docs

    Property valuation ordered. Loan documentation prepared and reviewed.

  5. 05

    Settle

    Docs signed and funded, typically 2 to 4 weeks from approval and as little as 5 days. Commission paid on settlement.

Articles

Market & industry insights.

View all articles
Business owner reviewing a second mortgage offer against a caveat loan quote
Security17 September 20265 min read

Caveat loans vs second mortgages

A caveat loan can be arranged in days, but the lender's security is a notice on the title rather than a registered mortgage. Here's how the two differ, why that changes the price, and when a registered second mortgage is the better route.

  • Tax debt11 August 20266 min read

    ATO tax debt loans, explained

  • Bridging28 July 20262 min read

    When bridging finance beats a bank extension

  • Costs14 July 20263 min read

    How to read a risk fee

Built for the deals that can't wait.

Submit the deal for a same-day indication - no lengthy paperwork to get started, and the relationship with your client stays yours.

Submit a deal deals@alphaconcapital.com.au
AlphaconCapital

Private capital. Professionally delivered. Alphacon Capital is the lending arm of Alphacon Advisory.

Contact

Level 9, 1 York Street

Sydney NSW 2000

1300 450 339

deals@alphaconcapital.com.au

Products

  • Alphacon Bridge
  • Alphacon Fast
  • Alphacon Line
  • Alphacon Reach
  • Alphacon Second
  • Compare all products

Brokers

  • Submit a Deal
  • Get Accredited
  • Login

Solutions

  • Bridging finance
  • Equity release
  • Refinance & debt rescue
  • Business working capital
  • SMSF commercial property
  • ATO tax debt
  • All solutions
  • First mortgages
  • Second mortgages
  • For business owners

Company

  • About
  • Sydney
  • Melbourne
  • Brisbane
  • Careers

Resources

  • Product Guide
  • Articles
  • Broker Tools
  • LVR Calculator
  • Postcode Checker
  • Bridging Loan Calculator
  • FAQ
  • Glossary

Alphacon Capital Pty Ltd (ABN 71 697 564 471, ACN 697 564 471). Commercial and investment purposes only - loans are made to companies and trusts and secured against Australian property. This is not consumer credit and Alphacon does not hold an Australian Credit Licence. General information only, not financial or credit advice, and it does not take your circumstances into account. All applications are subject to credit assessment and satisfactory security. Consider seeking independent advice.

© 2026 Alphacon Capital Pty Ltd. Business-purpose lending only. Not an NCCP-regulated lender.

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