A Brisbane private lender
for South East Queensland.

We will not tell you we are, because every lender says it. What we will commit to is a first response within four business hours and an indicative position the same business day on a complete submission. Settlement is then driven by the valuation and the legals, and our fastest is five days. Ask any Brisbane lender for those three numbers in writing and compare them.

A lender. We lend from committed institutional capital, secured by registered mortgage over Australian property, and there is no panel to shop your deal around.

Both describe the same business from different angles. Private credit is the asset class - non-bank capital lent directly to a borrower rather than raised through a bank deposit book. A private mortgage is the security we take for it: a registered first or second mortgage over Australian property. So a private credit lender in Brisbane that secures its loans by mortgage is a private mortgage lender in Brisbane, and we are both. What we are not is a broker, a fund manager raising money deal by deal, or a syndicator.

Yes, on Alphacon Second, from $100,000 to $5,000,000 behind an existing first mortgage. Combined LVR inside 70%, and the first mortgagee's consent is the long pole - name the incumbent at submission so consent runs in parallel with credit. The second mortgage page sets out what credit looks at in that position, in Brisbane or anywhere else.

Yes, and on the same terms as Brisbane. Both are classed metro on our postcode schedule, so a Southport, Surfers Paradise, Burleigh, Maroochydore or Noosa security opens every product, including the two written only in capital cities and select metro.

To 75% on Alphacon Bridge, Fast and Line, 70% on Reach, and 70% combined where Alphacon Second sits behind an existing first. The LVR calculator checks a scenario against each product's published maximum, including the combined position.

Not as a servicing test. Alphacon Fast, Line, Reach and Second do not score credit at all - the assessment sits on the security and the exit. Alphacon Bridge is the exception and the trade is deliberate: it wants an accountant's letter or prepaid interest and credit above 600, in exchange for carrying no risk fee.

Rates start at 8.50% p.a. and are priced per deal on the security, the peak LVR and the strength of the exit. On top sit an establishment fee, a monthly loan management fee, the valuation, and a risk fee on every product except Alphacon Bridge. The bridging cost estimator itemises the total over the term, and the product guide carries the full fee schedule.

Yes. Toowoomba, Cairns, Townsville, Rockhampton and Mackay are non-metro on the schedule but sit in the top category, and they price on the products written Australia-wide: Alphacon Bridge, Reach and Second. The postcode checker gives the classification for a given address.