Leverage Equity, Unlock Opportunity.

Borrow up to $50M. No commitment fee. No monthly repayments. Securities with existing loans accepted.

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To get pre-qualified:

No credit checks required

No tax returns or company financials required

No bank statements required

Applying will not affect your credit score

We say yes, when the banks say no

Need fast, flexible finance without the red tape? Non-bank lending could be your answer. Learn how it compares to traditional loans and whether it’s right for you.

Zero repayments.

You pay

$0

Per month. Pay at the end of loan term.

Pre-qualify in 3 minutes.

No credit checks required
No bank statements required
Same day decision

First mortgage

From

10% p.a.

Borrow between $350K - $50M. Up to 80% LVR.

Second mortgage

From

16% p.a.

Borrow between $350K - $50M. Up to 90% LVR.

Don’t pay fees out of pocket.

You pay

$0

in out of pocket fees.
All interest and fees are deducted upon disbursement.

No commitment fee.

Other private lenders commitment fee:

$5K - $15K

Our commitment fee:

$0

How borrowing works

A seamless onboarding experience, from instant property valuations to loan document uploads. All in one platform designed to get you funded within 24 hours of final approval.

Step 1

Find your property

Use your residential property and borrow up to 90% LVR. Even properties with existing mortgages can be used as security.

North Bondi NSW 2026

North Bondi NSW 2026

3

2

2

400

Est. property value

$11,150,000

Step 2

Set your loan terms

Choose your loan amount, term length, and repayment structure to suit your goals, whether you’re bridging, refinancing, or unlocking equity.

Business name

LIQUID CAPITAL PTY LTD

Borrowing amount

$2,187,000

Loan term

18 months

Exit event

I am refinancing my existing home loan and will repay the private loan once the bank processes the refinance.

Step 3

Get funds into your account

From application to capital in days, not weeks. Speed that works for you.

Get pre-qualified today.

Take 3 minutes to complete.

No credit checks. No bank statements required.

Get Started

What people are saying

See how business owners and partners rate their experience with Liquid Capital

Recent wins

Our recent deals show how we help businesses get the capital they need, quickly and safely.

Cronulla, NSW

Settled 3 days ago

Cronulla, NSW

Second mortgage

To assist with renovations, working capital and clearance of existing debt

Loan amount

$1M

Interest rate

15% p.a.

LVR

80%

Hunters Hill, NSW 2209

Settled 2 days ago

Hunters Hill, NSW 2209

Second mortgage

To assist with property settlement for a commercial property in Ashfield

Loan amount

$1M

Interest rate

15% p.a.

LVR

90%

Manly Beach, NSW

Settled 3 days ago

Manly Beach, NSW

Second mortgage

To assist with renovation, working capital and clearance of existing debt

Loan amount

$900K

Interest rate

14% p.a.

LVR

75%

Oatley, NSW 2223

Settled 3 days ago

Oatley, NSW 2223

Second mortgage

Short term bridging facility to assist with a finance

Loan amount

$480K

Interest rate

17% p.a.

LVR

90%

Griffith, ACT

Settled 4 days ago

Griffith, ACT

First mortgage

Second mortgage to assist with a finance of existing second mortgage

Loan amount

$1.32M

Interest rate

16% p.a.

LVR

80%

Burwood Sydney, NSW

Settled 2 days ago

Burwood Sydney, NSW

First mortgage

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW.

Loan amount

$1.20M

Interest rate

14% p.a.

LVR

75%

Cronulla, NSW

Settled 3 days ago

Cronulla, NSW

Second mortgage

To assist with renovations, working capital and clearance of existing debt

Loan amount

$1M

Interest rate

15% p.a.

LVR

80%

Hunters Hill, NSW 2209

Settled 2 days ago

Hunters Hill, NSW 2209

Second mortgage

To assist with property settlement for a commercial property in Ashfield

Loan amount

$1M

Interest rate

15% p.a.

LVR

90%

Manly Beach, NSW

Settled 3 days ago

Manly Beach, NSW

Second mortgage

To assist with renovation, working capital and clearance of existing debt

Loan amount

$900K

Interest rate

14% p.a.

LVR

75%

Oatley, NSW 2223

Settled 3 days ago

Oatley, NSW 2223

Second mortgage

Short term bridging facility to assist with a finance

Loan amount

$480K

Interest rate

17% p.a.

LVR

90%

Griffith, ACT

Settled 4 days ago

Griffith, ACT

First mortgage

Second mortgage to assist with a finance of existing second mortgage

Loan amount

$1.32M

Interest rate

16% p.a.

LVR

80%

Burwood Sydney, NSW

Settled 2 days ago

Burwood Sydney, NSW

First mortgage

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW.

Loan amount

$1.20M

Interest rate

14% p.a.

LVR

75%

Cronulla, NSW

Settled 3 days ago

Cronulla, NSW

Second mortgage

To assist with renovations, working capital and clearance of existing debt

Loan amount

$1M

Interest rate

15% p.a.

LVR

80%

Hunters Hill, NSW 2209

Settled 2 days ago

Hunters Hill, NSW 2209

Second mortgage

To assist with property settlement for a commercial property in Ashfield

Loan amount

$1M

Interest rate

15% p.a.

LVR

90%

Manly Beach, NSW

Settled 3 days ago

Manly Beach, NSW

Second mortgage

To assist with renovation, working capital and clearance of existing debt

Loan amount

$900K

Interest rate

14% p.a.

LVR

75%

Oatley, NSW 2223

Settled 3 days ago

Oatley, NSW 2223

Second mortgage

Short term bridging facility to assist with a finance

Loan amount

$480K

Interest rate

17% p.a.

LVR

90%

Griffith, ACT

Settled 4 days ago

Griffith, ACT

First mortgage

Second mortgage to assist with a finance of existing second mortgage

Loan amount

$1.32M

Interest rate

16% p.a.

LVR

80%

Burwood Sydney, NSW

Settled 2 days ago

Burwood Sydney, NSW

First mortgage

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW.

Loan amount

$1.20M

Interest rate

14% p.a.

LVR

75%

Cronulla, NSW

Settled 3 days ago

Cronulla, NSW

Second mortgage

To assist with renovations, working capital and clearance of existing debt

Loan amount

$1M

Interest rate

15% p.a.

LVR

80%

Hunters Hill, NSW 2209

Settled 2 days ago

Hunters Hill, NSW 2209

Second mortgage

To assist with property settlement for a commercial property in Ashfield

Loan amount

$1M

Interest rate

15% p.a.

LVR

90%

Manly Beach, NSW

Settled 3 days ago

Manly Beach, NSW

Second mortgage

To assist with renovation, working capital and clearance of existing debt

Loan amount

$900K

Interest rate

14% p.a.

LVR

75%

Oatley, NSW 2223

Settled 3 days ago

Oatley, NSW 2223

Second mortgage

Short term bridging facility to assist with a finance

Loan amount

$480K

Interest rate

17% p.a.

LVR

90%

Griffith, ACT

Settled 4 days ago

Griffith, ACT

First mortgage

Second mortgage to assist with a finance of existing second mortgage

Loan amount

$1.32M

Interest rate

16% p.a.

LVR

80%

Burwood Sydney, NSW

Settled 2 days ago

Burwood Sydney, NSW

First mortgage

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW.

Loan amount

$1.20M

Interest rate

14% p.a.

LVR

75%

Cronulla, NSW

Settled 3 days ago

Cronulla, NSW

Second mortgage

To assist with renovations, working capital and clearance of existing debt

Loan amount

$1M

Interest rate

15% p.a.

LVR

80%

Hunters Hill, NSW 2209

Settled 2 days ago

Hunters Hill, NSW 2209

Second mortgage

To assist with property settlement for a commercial property in Ashfield

Loan amount

$1M

Interest rate

15% p.a.

LVR

90%

Manly Beach, NSW

Settled 3 days ago

Manly Beach, NSW

Second mortgage

To assist with renovation, working capital and clearance of existing debt

Loan amount

$900K

Interest rate

14% p.a.

LVR

75%

Oatley, NSW 2223

Settled 3 days ago

Oatley, NSW 2223

Second mortgage

Short term bridging facility to assist with a finance

Loan amount

$480K

Interest rate

17% p.a.

LVR

90%

Griffith, ACT

Settled 4 days ago

Griffith, ACT

First mortgage

Second mortgage to assist with a finance of existing second mortgage

Loan amount

$1.32M

Interest rate

16% p.a.

LVR

80%

Burwood Sydney, NSW

Settled 2 days ago

Burwood Sydney, NSW

First mortgage

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW.

Loan amount

$1.20M

Interest rate

14% p.a.

LVR

75%

Get pre-qualified today.

Take 3 minutes to complete.

Multiple properties accepted.

Get Started

Common questions answered

FAQs

Things you should know

This website is published by ZeroOne Labs Pty Ltd (ACN 622 348 663) ("ZeroOne Labs"). By accessing or using this website, you agree to be bound by our Online Terms and Conditions.

Any information provided on this website is general in nature and does not take into account your objectives, financial situation, or needs. Nothing on this website constitutes personal financial advice, credit advice, or a recommendation to acquire, dispose of, or vary any financial product. You should obtain independent professional advice before making any financial or commercial decision.

Property insights and estimates provided through Check a Property are powered by information from Cotality and Domain Insights. While reasonable care is taken to source information from reputable third-party providers, Liquid Capital and its data partners do not guarantee the accuracy, completeness, or reliability of this information. Listings may not include all properties for sale or sold throughout Australia.

†Property value estimates are provided as indicative guides only. They are based on publicly available data, government records, and verified agent information sourced from Cotality. These estimates do not account for all factors that may influence market value and are not formal valuations. They should not be relied upon for lending, investment, or financing decisions. Independent inspections and valuations should be obtained where appropriate.

If you apply for finance with Liquid Capital, we may obtain our own valuation or rely on independent third-party valuation providers for assessment purposes. Valuations used in connection with any financing decision may differ from indicative estimates shown on this website. All transactions remain subject to satisfactory due diligence and final approval.

While the information on this website is believed to be current and accurate at the time of publication, Liquid Capital makes no representation or warranty as to its accuracy, completeness, or currency and is not obliged to update the information. Information, assumptions, and opinions may change without notice.

Any interest rates, pricing, or transaction terms displayed are indicative only and subject to change. Final terms will be set out in formal documentation issued by Liquid Capital.

To the fullest extent permitted by law, Liquid Capital, its directors, officers, employees, and related entities disclaim all liability for any loss or damage arising from reliance on information contained on this website.

Nothing on this website constitutes an offer, invitation, or solicitation to buy or sell property or to enter into a binding financial product or financing contract. Any offer can only be made by Liquid Capital through formal written documentation.

Fastest Growing Non-Bank Lender | No Credit Check To Apply | Fast Approvals, Less Paperwork | Liquid Capital