First mortgage, second mortgage, bridging and development funding secured by Australian property. Submit a scenario and a real person comes back inside a day. No credit enquiry to find out where you stand.
Nationwide · Sydney, Melbourne, Brisbane, Perth · Lending since 2018
Every facility is secured by a registered mortgage over Australian residential, commercial or industrial property. Terms run short. Rates and ratios are set on the merits of the deal, not off a rate card.
A registered first mortgage over residential or commercial property. The core facility, used for purchase, refinance, equity release and working capital where the bank timetable does not fit the deal.
● Fastest path to fundsAccess the equity in a property you already own without refinancing the first mortgage. Caveat lending is considered case by case alongside it.
Covers the timing gap between selling one asset and buying the next. A contract of sale or a live agency listing is required to qualify.
Development site purchase, construction loans, residual stock and land banking. Assessed on the merits of the project, its location and the developer's track record, by a team with over 20 years of combined construction experience.
Scenarios that do not fit a category still get a look. If Multifunds is not the right home for a deal, you get told inside the same 24 hours rather than left waiting on an answer that never comes.
Every facility is written for business or investment purposes and secured against property. Loans that are wholly or predominantly for personal, domestic or household purposes are regulated consumer credit and are not what this desk does. The enquiry form asks you to confirm which one you are.
The published process, written out in the order it actually happens.
Amount, security value, term and the situation in your own words. Borrower or broker. No documents needed yet, and no credit enquiry is made at this stage.
Someone from the team contacts you to talk through tailored options, or tells you plainly that it is not one for us.
Due diligence on the deal: credit checks on directors and guarantors, and a valuation of the security property.
Facility documents are executed and the mortgage registered. Funds are then typically available within 1 to 2 business days.
Multifunds takes deals direct from brokers and referrers. The scenario form has a broker path built into it, so a deal is never sitting in a general inbox waiting to be routed.
Send the scenario in three lines. A no comes back as fast as a yes, and neither costs your client a credit enquiry.
The Multifunds Private Credit Fund invests across a portfolio of registered first-mortgage loans rather than tying your money to a single borrower. Before any terms are shown, the law requires you to qualify.
This offer is available to wholesale investors only, as defined in the Corporations Act. Confirm which test you meet. A certificate from a qualified accountant is required before any application is accepted.
Investor enquiries: invest@multifunds.com.au. The investor portal and application form sit behind this gate on the live site.
No documents at this stage, and no credit enquiry is made when you submit.
Concept demo. Every answer traces to a published page on multifunds.com.au. Nothing here is generated. A voice version is on the Phase 2 roadmap.
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