TRANSPARENT PRICING AUSTRALIA

Private Lending Rates: From 8% p.a. - Clear, Competitive Pricing

No hidden fees, no surprises. See real private lending rates from $50,000 to $10 million. Compare transparent pricing across business loans, property finance, and construction funding. Competitive rates with fast approval in 24-72 hours.

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8% p.a.

Starting Rate

$500M+

Loans Funded

75%

Max LVR

FlexiBiz Rate

8% p.a.

$50K-$8M Business

FlexiProperty Rate

8% p.a.

$50K-$8M Property

FlexiConstruction

9% p.a.

$50K-$10M Build

Private Lending Rates Comparison

Clear, competitive rates across all our private lending products

FLEXIBIZ

Business Lending Rates

From 8% p.a.

$50,000 - $8,000,000

Interest Rate:From 8% p.a.

Maximum Term:6 months

Metro Residential LVR:75%

Metro Commercial LVR:65%

No minimum term
Daily interest calculation
No income assessment
2nd mortgages accepted

FLEXIPROPERTY

Property Lending Rates

From 8% p.a.

$50,000 - $8,000,000

Interest Rate:From 8% p.a.

Maximum Term:12 months

Metro Residential LVR:75%

Commercial LVR:65%

Free extension on contract exchange
Income assessment may be waived
Internal valuations available
Settlement & refinance funding

FLEXICONSTRUCTION

Construction Lending Rates

From 9% p.a.

$50,000 - $10,000,000

Interest Rate:From 9% p.a.

Maximum Term:24 months

Maximum LVR:70%

Loan Size:Up to $10M

Progress draw payments
Development & construction
Residential & commercial projects
Fast approval process

Real Private Lending Deals & Rates

Actual loans funded with transparent rates and terms

Strathfield, NSW (2135)

FLEXIBIZ

$2,180,000

Interest Rate

From 8% p.a.

Security:Single House

Purpose:Working Capital

LVR:72%

Rodd Point, NSW (2046)

FLEXIPROPERTY

$4,200,000

Interest Rate

From 8% p.a.

Security:Single House

Purpose:Property Settlement

LVR:75%

Maroubra, NSW (2035)

FLEXICONSTRUCTION

$410,000

Interest Rate

From 9% p.a.

Security:Duplex

Purpose:Construction

LVR:64%

What Affects Private Lending Rates?

Understanding how we calculate competitive private lending rates

Property Security & Location

Metro residential properties in Sydney, Melbourne, Brisbane typically qualify for our lowest rates (from 8% p.a.). Metro commercial properties and regional locations may have slightly higher rates but still remain competitive.

Metro residential: 75% LVR at best rates
Metro commercial: 65% LVR available

Loan-to-Value Ratio (LVR)

Lower LVR loans typically receive more competitive rates. We offer up to 75% LVR on metro residential security, up to 70% on construction projects. Higher LVR loans may carry slightly higher rates to reflect increased risk.

Lower LVR = better rate opportunities
Up to 75% LVR on metro residential

Loan Amount & Term

Larger loan amounts may qualify for rate discounts. Shorter terms (3-6 months) generally receive our standard competitive rates. Extended terms or smaller loans under $50,000 may have different rate structures.

Larger loans may qualify for better rates
Flexible terms from 3-24 months

Loan Purpose & Product Type

Business working capital (FlexiBiz) and property settlement (FlexiProperty) start from 8% p.a. Construction and development loans (FlexiConstruction) start from 9% p.a. due to increased complexity and project risk factors.

Business & property: from 8% p.a.
Construction & development: from 9% p.a.

Why Goodland Capital for Private Lending Rates

Transparent Pricing

No hidden fees or surprise charges. Clear interest rates disclosed upfront with detailed breakdowns of all costs.

Competitive Rates

Starting from 8% p.a. for business and property loans. Rates that reflect market conditions and your security quality.

Daily Interest

Pay only for the days you use the funds. No minimum term means you save money if you repay early.

Fast Approval

Get your rate quote within 24 hours. Funds accessed in 24-72 hours once approved. Speed without rate compromise.

Private Lending Rates Across Australia

Competitive rates available Australia-wide with metro discounts

New South Wales

Sydney metro (best rates): CBD, North Shore, Eastern Suburbs, Inner West, Western Sydney, Hills District, Sutherland Shire, Northern Beaches

Victoria

Melbourne metro (best rates): CBD, Inner Melbourne, Bayside, Eastern Suburbs, Western Suburbs, Northern Suburbs, Mornington Peninsula

Queensland

Brisbane metro & Gold Coast: CBD, North Brisbane, South Brisbane, Western Suburbs, Sunshine Coast, Gold Coast (competitive metro rates)

Western Australia

Perth metro: CBD, North Perth, South Perth, Fremantle, Joondalup, Rockingham (metro rate eligibility)

South Australia

Adelaide metro: CBD, North Adelaide, Eastern Suburbs, Western Suburbs, Southern Suburbs (competitive rates available)

ACT & Tasmania

Canberra, Hobart, Launceston. Regional lending available with competitive rate structures for quality security.

Private Lending Rates FAQ

What are your private lending rates?

Our private lending rates start from 8% p.a. for FlexiBiz (business loans) and FlexiProperty (property finance) on loan amounts from $50,000 to $8 million. FlexiConstruction (development and construction loans) rates start from 9% p.a. for loans up to $10 million. Actual rates depend on loan size, security type, LVR, and location.

Are there any hidden fees with your lending rates?

No. We believe in transparent pricing. All fees are disclosed upfront including establishment fees, legal costs, and valuation expenses. There are no hidden charges. You'll receive a complete cost breakdown before signing any documents. Our daily interest calculation means you only pay for the exact days you use the funds.

How do your private lending rates compare to banks?

Private lending rates are higher than traditional bank rates because we offer faster approval (24-72 hours vs weeks), accept 2nd mortgages, require no income assessment, and approve loans banks won't touch. You're paying for speed, flexibility, and certainty rather than the lowest possible rate. Our rates are competitive within the private lending market.

What factors affect my private lending rate?

Private lending rates are primarily determined by: property security type and location (metro residential gets best rates), loan-to-value ratio (lower LVR typically means better rates), loan amount and term, loan purpose and product type. Metro residential properties in major cities qualify for our lowest rates starting from 8% p.a.

Do you offer fixed or variable private lending rates?

We offer fixed interest rates for the term of your loan, providing certainty and predictability for your budgeting. The rate quoted and agreed upon at settlement remains constant throughout your loan term. This protects you from market rate fluctuations and ensures no surprise rate increases during your loan period.

Can I get a lower rate if I have excellent credit?

Private lending rates are primarily security-based rather than credit-based. We focus on the value and quality of your property security rather than credit scores. However, lower LVR loans, larger loan amounts, metro property locations, and straightforward loan purposes all contribute to more competitive rates within our pricing structure.

How quickly can I get a rate quote?

You can receive an indicative rate quote within 24 hours. Simply provide details about your loan amount, property security, location, and purpose. We'll assess your scenario and provide a customised rate quote with full cost breakdown. Once you proceed, formal approval with confirmed rates typically takes 24-72 hours.