Funding Door is a boutique private lender delivering fast, flexible commercial mortgage solutions — first and second mortgages, bridging and construction loans.
Initial conditional approval, direct from our credit team.
4–7 daysAs fast as 4–7 business days from submission to settlement-ready, for a straightforward scenario.
Three core lending structures, plus the specialised assets many lenders won't touch — each built around speed, clarity and a genuine understanding of your transaction.
Fast, first-ranking finance secured by residential, commercial, industrial or land — for acquisitions, refinances, bridging and equity release.
Unlock additional capital behind an existing first mortgage — fast, second-ranking finance without disturbing your current facility.
First mortgage funding for residential, commercial and industrial construction and development projects, geared to Project End Value.
Childcare centres, service stations, NDIS properties, supermarkets, shopping centres, hotels and motels — asset classes many lenders won't touch.
| At a glance | First Mortgage | Second Mortgage | Construction & Development |
|---|---|---|---|
| Interest Rate | From 8.19% p.a. | From 12.25% p.a. | From 9.5% p.a. |
| Loan Amount | $500k – $40m | $500k – $10m | $5m – $40m |
| Max LVR | Residential 75% · Commercial/Industrial 70% · Land 65% (of 'as is' value) | Residential 75% · Commercial/Industrial 70% · Land 65% (of 'as is' value) | Up to 75% (of Project End Value, ex GST) |
| Loan Term | Up to 36 months | Up to 24 months | Up to 36 months |
| Establishment Fee | From 1.25% + Broker Fee | From 2.00% + Broker Fee | Line fee from 1.65% + establishment fee from 1.65% |
| Security | Residential, Commercial, Industrial & Land | Residential, Commercial, Industrial & Land | Residential, Commercial & Industrial projects |
| Security Location | Metro Australia-wide (excl. NT) · Non-metro considered (LGA > 80k) | ||
Acceptable borrowers: Company & Corporate Trust. Non-coded, business-purpose loans only. First and Second Mortgage facilities carry no line fees and no early exit fee (minimum interest period applies); Construction & Development facilities carry a separate line fee (from 1.65%) in addition to the establishment fee, and are available as a first mortgage only. Rates and terms current as at May 2026 and subject to change — contact us to confirm current pricing for your scenario.
Need working capital alongside your asset-backed loan? Our Corporate Finance facilities are structured as an addition to a First Mortgage loan (not available standalone) — pairing property security with the working capital flexibility to fund growth, cover cash flow gaps, or execute more complex transactions in one deal.
Time-critical settlement? We'll review an existing, unassigned valuation report — provided it's recent — instead of ordering a new one, cutting real time off the path to funding. Paired with 24–48 hour conditional approval, it's how we get urgent scenarios across the line.
Set your property value and what's currently owing against it, and we'll estimate the equity available to release, in real time.
Indicative only, not an offer or pre-approval of finance. This is a gross loan facility figure — it does not deduct finance costs (establishment fee, legal fees, broker fees, capitalised interest where applicable) or property outgoings in arrears (e.g. council rates, land tax, body corporate). Net funds available to you will be lower. Maximum LVRs of 75% (residential), 70% (commercial/industrial) and 65% (land) are guides — every facility is assessed on its merits and subject to full credit approval. Loan amount capped at $40m (First Mortgage) / $10m (Second Mortgage).
Alongside residential, commercial, industrial and land, we consider a range of specialised asset classes that many lenders won't touch.
Seven groups, one thing in common: deals that need to move faster, or look different, than a bank can accommodate.
Release equity from property to fund working capital, consolidate business debt, or clear an ATO tax bill — when timing matters more than a bank can move.
Fast, flexible finance for acquisitions, refinancing, bridging and equity release — plus value-add refurbishment on investment property.
Construction funding, residual stock loans and development exit finance to keep projects on schedule and capital moving.
Childcare centres, service stations, NDIS properties, supermarkets, shopping centres, hotels and motels — asset classes many lenders won't touch, considered case-by-case.
Lending for commercial and industrial property held by a corporate trustee, structured at arm's length. Following the August 2026 changes, residential LRBAs are no longer available.
Fast scenario assessments, clear credit feedback and direct access to decision-makers — including the complex, time-critical deals other lenders decline.
A trusted lending partner to refer your clients to, with fast turnarounds and transparent terms from first conversation to settlement.
Eight steps, full visibility the whole way — so borrowers and brokers always know exactly where a deal stands.
You or your broker submit the scenario to our credit team — through the website, by phone, or by email.
We assess the merits of the deal and come back with indicative feedback, generally within 24–48 hours.
A conditional approval letter is issued, setting out indicative terms subject to valuation and full due diligence.
A valuation is instructed — or an existing recent valuation reviewed — alongside the full application and supporting documents.
Upon satisfactory valuation and final credit sign-off, we issue a Formal Approval Letter for acceptance.
Solicitors are instructed, and loan documents are drafted and issued to your solicitor for review and execution.
Executed documents and any outstanding conditions are collected and certified as complete, clearing the way for settlement.
Capital is advanced and settlement completed, with a Welcome Letter issued within 24 hours.
We'll come back with clear, fast feedback — no jargon, no runaround.