Private Lending
Flexible private lending solutions for secured loans, bridging finance and short-term funding across Australia
Rated 5 from 44 Reviews
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Flexible private lending solutions for secured loans, bridging finance and short-term funding across Australia
Rated 5 from 44 Reviews
Premier Path Finance works with clients across Melbourne, Victoria, and Australia who need financing solutions that fall outside the scope of traditional bank lending. Our private lending services are designed for individuals and businesses with unique circumstances - whether that means a complex income structure, credit history challenges, or a time-sensitive opportunity that requires a faster path to funding.
Private lending provides access to funds through non-bank financial institutions and private lenders, offering a genuine alternative when mainstream options are not the right fit. From secured loans and real estate loans to bridging finance and debt consolidation, we match clients with solutions that reflect their actual situation rather than a rigid lending template.
For those who may not satisfy the standard criteria of a major bank, private lending opens up a broader range of possibilities. Short-term loans and property development funding are available for both personal and commercial purposes, with flexible structures that can be adapted to suit your timeline and objectives. Asset-based lending and equity-based solutions can also strengthen your borrowing position where traditional security falls short.
The loan approval process through private channels is typically more accommodating, with greater weight given to the asset or equity position rather than solely relying on income documentation. This makes private lending particularly well-suited to self-employed borrowers, property investors, and those requiring low doc or non-conforming loan structures.
Our network of reputable private lenders spans a wide range of loan types - including investment property loans, commercial loans, rural and vacant land loans, and business capital funding. We take the time to understand your goals and match you with lenders whose criteria align with your profile, so you are not wasting time on applications unlikely to succeed.
Private finance is not simply about providing funds in a hurry. It is about delivering considered, alternative financial solutions that give clients the flexibility to act with confidence. Whether you need emergency financing, a refinancing solution, or a customised loan structure for a property transaction, Premier Path Finance is here to guide you through every step.
Our commitment to each client goes beyond the transaction. We work to ensure that any private lending arrangement is structured responsibly, with clear terms and a repayment plan that suits your circumstances. Contact us today to explore how private lending could support your financial goals.
At Premier Path Finance, our approach to private lending is built around your individual circumstances, not a one-size-fits-all process. Here is how we work with clients across Australia.
We start with a genuine conversation about your goals and financial position. Whether you need private lending for a property purchase, a time-sensitive transaction, or a situation where traditional banks have said no, we listen carefully before recommending anything.
We review your income, assets, liabilities, and the nature of the loan security available. For private lending, this often means looking at equity, property value, and the strength of the underlying asset rather than focusing solely on serviceability metrics.
Using our established network of private lenders, we identify the options that suit your profile and objectives. We present the terms clearly - including interest rates, fees, and repayment structures - so you can make an informed decision with confidence.
We handle the documentation and submission process on your behalf, coordinating with lenders and any required third parties such as solicitors or valuers. Private lending applications often move quickly, and we ensure nothing is left to chance.
Once your private lending application is approved, we walk you through the loan terms, answer any questions, and coordinate settlement. Our goal is a smooth, well-managed outcome from start to finish.
Private lending arrangements are often short to medium term. We stay in contact to help you plan your next move - whether that means refinancing to a mainstream lender, releasing equity, or structuring your next investment. We are here for the long term, not just the transaction.
At Premier Path Finance, we guide each client along a transparent, confident path to home ownership and lasting financial wellbeing. Drawing on more than 25 years of combined banking and finance experience, our award-winning team delivers mortgage strategies that are both sophisticated and straightforward.
Founded by Luke Owen and Michael Kirk, we built our firm on a simple belief: lending should never feel overwhelming. Whether you're a first-home buyer, seasoned investor, business owner or high-net-worth professional, we're by your side with clarity, integrity and genuine care.
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Is
Luke was amazing helping me buy my first property, from our initial chat and chatting about my circumstances and next steps right through to settlement! Luke was always happy to answer my questions, talk through the process and give me all the options, and made a process I had no idea about as seamless as possible. Couldn’t recommend more highly!
SK
Stacie Karas
We have dealt with Luke from Premier Path Finance on numerous occasions for purchase of properties and refinances. Luke is very responsive and nothing is too much trouble. He has his clients’ best interest at heart! Every dealing has been a smooth and stress free transaction and we would not even consider engaging anyone else in the future. Highly recommend!
RS
Rhys Smith
Luke Owen has been my go-to lending guy for many years. Previously he was with CBA Private Banking. A+ and VIP service. He joined Premier Path in recent years which has been a game changer. It's opened up lots of new possibilities for lending, residential, commercial and SMSF. I've introduced several heavy hitter former C-level employees to Luke and they've always been impressed! The service is even better now that he's not hamstrung by CBAs sometimes onerous rules!
Banks can only offer their own products. At Premier Path Finance, we compare a wide range of lenders to help you find a loan that suits your goals and circumstances.
We do the research, paperwork and negotiations on your behalf, making the process simple, stress-free and easy to understand.
Currently over 80% of loans in Australia are provided through a broker instead of directly at the bank, due to the options a broker can provide.
There is no cost to you for using a broker.
We are paid by the lender once your loan settles, which means you won't pay any additional fees and there is no impact on your interest rate or loan terms. Our service is designed to make the process easier by doing the research, comparing lenders and managing the paperwork on your behalf.
With Premier Path Finance, you receive expert advice and support at no extra cost, while we do the hard work for you.
Your borrowing capacity depends on factors including:
• Your income
• Existing debts and expenses
• Deposit amount
• Employment type
• Credit history
We'll assess your situation and help you understand your borrowing power before you start looking for a property.
Many lenders allow eligible borrowers to purchase with as little as a 5% deposit. A larger deposit may provide more lender options and help reduce costs such as Lenders Mortgage Insurance (LMI).
We'll guide you through your options and explain exactly what you'll need.
Pre-approval is an indication from a lender of how much you may be able to borrow before you purchase a property.
Pre-approval can help you shop with confidence and understand your budget. We'll manage the entire process and liaise with the lender on your behalf.
Timeframes vary depending on the lender and your circumstances. Many approvals are completed within a few days to several weeks.
Our team keeps the process moving and handles the communication with lenders, making everything easier for you.
Absolutely.
Buying your first home can feel overwhelming, but we'll guide you through every step. We'll explain the process in plain English, help you understand your borrowing capacity and determine whether you're eligible for grants and concessions.
Depending on your circumstances and location, you may be eligible for:
• First Home Owner Grants
• Stamp duty concessions
• Home Guarantee Scheme initiatives
We'll help you understand what support may be available and whether you qualify.
Yes.
A guarantor loan may allow eligible borrowers to purchase with little or no deposit while avoiding LMI.
Using a family guarantee in some cases can cover the full purchase cost of a property, inclusive of stamp duty (105% lend), with identical loan terms to a standard loan.
We'll explain how guarantor loans work and whether they're suitable for your circumstances.
Lenders Mortgage Insurance is generally required when you borrow more than 80% of the property's value.
LMI protects the lender, not the borrower. The cost varies depending on the size of your loan and deposit. We can help you understand whether it applies and explore options to minimise or avoid it.
Refinancing may help you:
• Lower your interest rate
• Reduce repayments
• Consolidate debts
• Access equity
• Improve loan features
We'll compare lenders and manage the refinancing process from start to finish.
Yes.
If your property's value has increased or you've paid down your loan, you may be able to access equity for:
• Renovations
• Investment properties
• Debt consolidation
• Personal expenses
We'll help you understand how much equity may be available and which options suit your goals.
Yes.
We assist investors with:
• Investment property loans
• Equity release
• Portfolio growth
• Interest-only lending
• Refinancing existing loans
Whether you're buying your first investment property or expanding your portfolio, we'll help create a strategy that aligns with your goals.
Yes.
Depending on your circumstances, some lenders offer low-deposit home loans and government schemes may also help eligible buyers enter the market sooner.
We'll explain your options and help you find a pathway into home ownership.
A fixed rate provides certainty by locking in your interest rate for a set period.
A variable rate can change over time and often offers greater flexibility, including offset accounts and extra repayments.
We'll explain the pros and cons and help you choose the right loan structure.
An offset account is a transaction account linked to your home loan.
The balance in the account reduces the amount of interest charged on your loan, potentially helping you save thousands over the life of your mortgage.
A construction loan is designed for people building a new home.
Funds are generally released in stages throughout the building process rather than in one lump sum.
We'll guide you through the process and coordinate with the lender and builder to help everything run smoothly.
Settlement is when ownership of the property is officially transferred and the loan funds are released.
We work closely with your lender, solicitor and conveyancer to ensure everything runs smoothly and keep you informed every step of the way.
We recommend reviewing your home loan every 12 to 24 months or whenever your circumstances change.
Regular reviews can help ensure you're still getting a competitive rate and the right loan features.
Multiple loan applications can impact your credit file.
That's why we carefully assess your situation first and recommend suitable lenders before submitting an application, helping you avoid unnecessary enquiries.
Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit Licence #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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