Property Finance
Funding to secure your next commercial or investment property.
Move on the deal before the bank wakes up — property-secured purchase finance placed across our panel for investors and business owners.
Purchase finance that moves at deal speed.
When a commercial or investment property comes up, the buyer who can settle wins. We arrange business-purpose purchase finance and place it with the right funder from our panel of 50+ non-bank and private lenders, so you can act while the banks are still asking for another form.
Whether you are acquiring an investment property, a commercial premises, a development site or adding to a portfolio, we structure the debt around the asset and your exit — purchase, settle, then refinance or sell on your timetable. This is finance for investors, developers and business owners with an ABN and a genuine business purpose.
Years of credit experience mean we know which lenders move fast, which stretch on LVR, and which are comfortable with the property type and location. We give you an indicative answer within 24 hours and manage the deal through to settlement.
Why arrange your purchase through X Private.
50+ lenders, one submission
We place your deal with the funder most likely to back it on terms — not whichever bank you happen to walk into.
Up to 90% LVR
Higher leverage than the banks typically offer, assessed on the asset and a clear exit strategy.
Settle in days, not months
An indicative answer in 24 hours and most deals settled in 5–10 business days — fast enough to beat slower buyers.
Commercial and investment property
Offices, retail, industrial, mixed-use and residential investment stock — placed with lenders comfortable with the asset.
Structured around your exit
Short-term to settle now and refinance later, or a longer facility to hold — built around how you'll repay.
Deals the banks decline
Complex income, tight timeframes or unusual security — we place the deals a single bank's policy rules out.
What we arrange purchase finance for.
If the purchase is property-secured and for a business purpose, we can usually place it. Common scenarios:
- Investment property acquisitions
- Commercial premises for your business
- Development and infill sites
- Adding to a property portfolio
- Auction purchases needing fast settlement
- Mixed-use and specialised commercial assets
- Buying out a co-owner or partner's share
- Securing a property before arranging long-term finance
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we assess your scenario and place it with the most suitable funder from our panel of 50+ non-bank and private lenders, then manage the deal to settlement.
No — everything we arrange is for a genuine business purpose. Purchase finance is for investment, commercial and development property — not a home you'll live in.
You'll have an indicative answer within 24 hours, and most purchases settle in 5–10 business days. Where a contract has a tight settlement, we prioritise lenders who can move at that pace.
Through our panel we can arrange up to around 90% LVR depending on the property, its location and your exit. Higher leverage is available case by case where the deal and exit are strong.
An ABN/ACN, the property and contract details, and an outline of your business purpose and exit strategy. We'll tell you upfront what each lender will want so nothing stalls the settlement.