First mortgage loans, structured for speed.
A first mortgage is the senior, first-ranking security registered against a property — the same position a bank sits in when it funds a commercial deal. Envision Private arranges first-mortgage private credit on behalf of wholesale investors when a borrower needs faster settlement, more flexibility, or a credit story a bank can't fit into policy.
When it makes sense
- Time-critical property acquisitions where bank timelines won't work
- Refinancing an expired or non-renewed bank commercial loan
- Residual stock lending on completed apartment or townhouse projects
- Land-bank and pre-DA site holding facilities
- Commercial and industrial investment property with tenant transition risk
- Non-standard sponsor or income profiles that fall outside major-bank policy
Indicative loan parameters
| Loan size | $500,000 – $50,000,000+ |
| LVR | Up to 70% (higher case-by-case) |
| Term | 3 – 36 months |
| Interest | Prepaid, monthly, or capitalised |
| Security | Registered 1st mortgage, GSA where relevant |
| Purpose | Business / investment only (non-NCCP) |
How the process works
- Deal snapshot — submit the essentials (security, LVR, purpose, exit).
- Indicative terms — typically within 24 hours.
- Credit approval — valuation, title and sponsor review.
- Documentation — loan agreement, mortgage and priority deeds if relevant.
- Settlement — commonly within 10–15 business days from indicative terms.