Interest Rates on Private Lending

The interest rates charged at any time reflect a balancing of economic conditions, interest rates charged by other providers and the risk associated with the transaction. Generally, pricing is determined by:

  • LVR (level of gearing)
  • Loan term
  • Security type
  • Security location
  • Loan type
  • Borrowers balance sheet
  • Borrower track record
  • Level of presales (construction loans)