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Business Mortgage (Bridging/Private)

Fast, short-term property finance when timing matters

Same day decisioning and funding

Apply now

Product overview

Our Business Mortgage product is a short-term bridging and private lending solution secured against residential or commercial property. Designed for speed and certainty, it provides fast access to capital where traditional lenders cannot move quickly enough. Ideal for urgent settlements, auction purchases, equity release pending sale or refinance, and short-term debt resolution, this product delivers flexible structures, clean pricing, and same-day settlement capability (subject to security).

Key benefits

Fast approvals and same-day settlement (subject to security)

Interest-only repayments with short-term flexibility

Transparent headline rates and upfront fees

Residential and commercial property accepted as security

Low-doc, streamlined application process

Introducer-friendly commission structure

Loan structure and rates

1st Mortgage From 0.75% per month
2nd Mortgage From 13.95% annually
Maximum Loan to Value (LVR)
Residential 75%
Commercial & Other 70%
Repayment Type
1st Mortgage: Interest only
2nd Mortgage: Interest only or amortising
Loan Term - 1st Mortgage 3 to 6 months (with extension possible)
Loan Term - 2nd Mortgage Up to 6 months or amortising to zero over 3-years

Same-day desktop valuation is acceptable for residential securities up to $3m valuation; otherwise full valuations required.

Eligibility

Borrower Type

Companies, Trusts (with corporate trustee), Individuals with an ABN for business purposes (non-NCCP)

Loan Size

1st Mortgage: $50,000 up to $2,000,000
2nd Mortgage: Up to $500,000

Property Location

Category A (capital city metro & major regional centres);
Category B (secondary metro/strong regional)

Repayments

Monthly, interest-only; source of repayments must be identified (e.g., rent, business cash flow)

Help & support

Same-day settlement may be available subject to security requirements

1800 007 245
Phone
applications@in2capital.com.au
Email

Ready to apply?

Apply online for a business mortgage or speak with one of our business lending specialists.

Apply now