NWF Capital
Secure funding against your primary property with competitive rates and flexible terms.
Overview
NWF Capital provides first mortgage lending solutions for business owners and investors who need fast, reliable funding secured against property. Whether you're acquiring a new asset, refinancing an existing loan, or unlocking equity for business growth, our first mortgage products deliver certainty and speed.
Unlike traditional banks, we assess each application on its merits with a focus on the security and your exit strategy. This means faster approvals, less paperwork, and funding that works around your timeline—not the other way around.
With loan terms from 1 to 24 months and amounts from $100K to $20M+, our first mortgage solutions are designed for businesses that need capital now, not in 6 weeks.
Key Features
Receive a funding decision within 24 hours of application, with urgent settlement available.
Loan terms from 1 to 24 months, structured around your business needs and exit strategy.
We lend up to 75% LVR on residential and commercial property, with higher ratios considered case-by-case.
Residential, commercial, industrial, and rural properties accepted as security.
Interest-only repayments available for the full loan term, keeping your cash flow intact.
We focus on the deal, not your credit history. Impaired credit considered.
Structure
A first mortgage gives us registered first-ranking security over your property, which is the strongest position a lender can hold. Because our security position is strong, first mortgage facilities are priced below second mortgage and caveat funding, and support larger loan amounts and longer terms.
Facilities typically run from one to twenty-four months on an interest-only basis, with interest capitalised into the loan where cash flow is tight — meaning no monthly repayments during the term. The loan is repaid in full at the exit, whether that is the sale of the property, a refinance to a mainstream lender, or another defined event.
First mortgages suit purchases where bank timing will not work, refinances of an existing facility under pressure, and equity releases where the funds are needed for a business or investment purpose. We lend against residential, commercial, industrial, retail and rural property, and against land and development sites.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Security
Residential houses, units and townhouses; commercial offices, retail premises and industrial warehouses; rural and farming property; vacant land and englobo development sites. Security can be held personally, through a company, or in a trust structure, and multiple properties can be cross-secured to support a larger facility.
We lend up to 75% of the value of residential and commercial property as a general guide, with higher ratios considered case-by-case where the security is strong and the exit is short and certain. Value is assessed against an independent valuation or, on smaller and more straightforward files, against comparable evidence.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
A first mortgage ranks first on the property title, so that lender is repaid first if the property is sold. A second mortgage sits behind an existing first and is repaid after it. Because the risk is lower, first mortgages are priced more keenly and support larger amounts and longer terms.
As a general guide we lend up to 75% of the property value on a first mortgage, with the exact ratio depending on the property type, its location and liquidity, and the strength of your exit. Loans range from around $100,000 to $20 million and above.
Generally no. Our assessment focuses on the property and the exit rather than income verification, so borrowers without current financials, with limited trading history, or with complex income are all able to apply.
Yes. Credit history is considered but is not the deciding factor. Defaults, judgments, arrears and outstanding tax debt do not automatically disqualify an application where the security and exit are sound.
Business and investment purposes including property acquisition, refinancing existing debt, working capital, tax liabilities, business expansion, and funding new opportunities. We lend for business purposes rather than consumer credit.
You will have a decision within 24 hours. Settlement then depends on the security, documentation and your solicitor, but urgent settlements are accommodated where a deadline requires it.
Get Started
Complete this quick form and we'll provide a no-obligation funding offer within 24 hours.