Aurelius Private: a private lending broker for property-backed deals

Most lender profiles describe a company that lends its own money. Aurelius Private is different, and that difference shapes everything about how you’d deal with it. By its own description it is a private lending broker: it takes your deal, structures it, and places it with a private lender, family office or high-net-worth investor from a panel.

This profile covers what Aurelius Private says it arranges, the kind of borrower it appears to suit, and the questions worth asking before you commit. It is based on the company’s public website as at October 2026. Details change, so confirm everything with the broker before you act.

What does Aurelius Private do?

Its homepage describes private credit for Australian developers, investors and business owners, arranged “across a very large panel” of private funders. It says it has been arranging loans for more than ten years and has more than 80 lenders on its panel. We haven’t independently verified those figures, so treat them as the company’s own claims.

The finance types it lists are:

Finance type	How the site describes it
First mortgage	Senior secured lending on residential and commercial property
Second mortgage	Releasing equity without disturbing an existing first mortgage
Caveat loans	Short-term funding secured by a caveat over property
Bridging finance	Short-term cover while a purchase and sale line up
Construction finance	Progress-draw funding for residential and commercial builds
Development finance	Land, approvals and development funding structured to the project
Business and working capital	Fast capital for businesses that can’t wait on a bank
Agricultural finance, ATO tax debt finance, bad credit loans	Listed as services; the site gives no further description

Credit is arranged for business and commercial purposes only. Our own explainers on second mortgage business loans and bridging finance cover how these structures work in general.

How does a broker-led private loan differ from a direct lender?

With a direct lender such as Caveat Loans Capital, you deal with the company that holds the money. With a broker, there is an extra step: the broker finds the funder, and the funder sets the final price and conditions. That can widen your options, but it also means you should ask early who the lender will be and what each party charges.

Our comparison of a broker versus a direct lender sets out the trade-offs. In short, a broker can save you shopping around and can structure awkward deals, while a direct lender can sometimes move with fewer hands involved.

What does it assess, and how quickly?

Aurelius Private publishes no minimum trading period, turnover or credit score. Instead it says the lenders it works with look at “the deal itself, the security, the exit and the plan”. That is typical of private lending: the property and the way you’ll repay matter more than a tidy credit file.

On timing, the site says caveat and second mortgage deals can settle in 48 to 72 hours, and development facilities in weeks. It describes a three-step process: submit a scenario covering security, amount and exit; receive a structured answer on who would fund it and roughly what it would cost; then settle.

It also shows example deals with terms of six and twelve months at loan-to-value ratios of 70% to 78%. Those are showcase examples and not a rate card, but they give a sense of the territory: short-term, property-backed and exit-driven. Use our LVR calculator to see where your own property sits, and the property equity calculator to estimate usable equity.

Not ready to commit to a broker yet? Talk the deal through with us first.

Who is it likely to suit?

Based on its published material, Aurelius Private looks best aligned with:

• Property developers and investors with a clear project, such as a construction, subdivision or refinance.
• Business owners with property equity who need a fast second mortgage or caveat facility, for example to pay a tax bill or bridge a settlement.
• Borrowers a bank has declined because the deal doesn’t fit a standard credit box, not because it lacks substance.

It suits less well if there is no property to pledge, no believable exit, or you need a long-term, low-cost facility. For those cases, a bank or a longer-term lender is often cheaper.

Questions to ask before you sign

Private lending can be quick and flexible, and it can also be expensive over a short term. Get answers in writing:

1. Who is the actual lender, and are they a registered entity you can check?
2. What will the whole loan cost in dollars? Include broker fees, lender fees, valuation and legal costs.
3. What is the exit? Sale, refinance or cash flow, and what happens if it slips by two months.
4. What if you can’t repay or refinance when the loan matures?
5. Are directors asked for personal guarantees, and is any other security taken?

Our private business loans guide explains the usual fee structure, and the private lender versus bank comparison shows how the two differ on cost and speed.

What if Aurelius Private can’t help?

Not every deal fits private funding, and a “no” is information rather than a verdict:

• If you have property but a thin exit, a longer-term first mortgage business loan from a non-bank may be safer than a six-month facility.
• If tax is the problem, read about ATO tax debt loans and our guide to ATO debt and business loans.
• If credit is the obstacle, see bad credit business loans.
• If there’s no property, equipment finance or invoice finance may suit better.

Similar private lenders with their own profiles here include IBN Private and Private Mortgages Australia.

Put your deal in front of a real person

Whichever route you take, start by seeing your deal the way a lender will. The enquiry form is about a minute long. Put in the true property value and the exit you actually expect, and the first option we suggest is far more likely to be the right one.

Sending it won’t leave a mark on your credit file, since nothing is checked at enquiry stage. We keep the details in-house instead of broadcasting them to funders, and an actual person reads the scenario before ringing you.

Send us the details and get a call back →