Private Mortgages Australia: 2025 Year in Review
As we approach the end of 2025, it’s the perfect time to reflect on the milestones, achievements, and progress we’ve made at Private Mortgages Australia (PMA). This year has been defined by our continued commitment to helping borrowers and brokers obtain fast, flexible, and transparent funding solutions, particularly during a period where traditional lenders have remained cautious and business owners have continued to seek alternative finance partners they can rely on.
Throughout 2025, our focus has remained consistent: deliver practical, responsive lending options that support business growth, property development, and working capital needs across Australia. By listening to the challenges faced by borrowers and brokers, and responding with tailored lending structures, we have strengthened our position as a trusted private lending partner.
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By the numbers: PMA’s 2025 performance
This year, PMA achieved strong lending activity across a diverse range of loan types and borrower profiles. Our numbers highlight both the breadth and depth of the solutions we offer as well as the confidence our clients place in our team.
- Total Loan Amount Provided: over $33M
- Number of borrowers assisted: 29
- Average Loan Term: 10.2 months
- Average Loan Amount: $1.14M
These figures reflect a steady flow of enquiries and settlements, supported by our ability to assess scenarios quickly and structure loans that suit the unique circumstances of each borrower.
In fact, monthly loan amounts advanced ranged from $287,000 to $6 million, showcasing just how varied the funding requirements of our clients can be and how capable PMA is in accommodating everything from smaller working capital loans to large, multi-stage development needs.
A flexible approach to security and location
One of PMA’s biggest strengths continues to be our willingness to consider a wide range of security types and property locations: something many business owners and developers struggle to find with traditional banking channels.
In 2025:
- 40% of settled loans were secured by residential property, providing a stable foundation for borrowers leveraging existing assets.
- 18% of loans were secured by non-metro properties, a notable achievement given how challenging it can be for regional businesses to secure finance from mainstream lenders.
This reinforces our philosophy: if the scenario makes commercial sense, we will explore it. Our team understands that viable opportunities exist beyond metropolitan borders, and we remain committed to supporting borrowers regardless of location.
Here is the location breakdown of where the most number of loans were settled throughout 2025:
- NSW: 34.5%
- VIC: 34.5%
- QLD: 17.2%
- WA: 6.9%
- SA: 3.5%
- TAS: 3.5%
Approximately 92% of these loans in 2025 were registered 1st mortgages, with the rest registered 2nd mortgages. It’s worth mentioning that we can accommodate up to 25% registered 2nd mortgages in our loan portfolio, so we have plenty of leeway to consider more registered 2nd mortgage applications.
Trust built through relationships
A standout highlight this year has been the strength of our repeat and referral business: two indicators of client satisfaction we value deeply.
- $11.4M of settled loans came from repeat clients or referrers we have existing relationships with, reflecting positive experiences and continued confidence in our lending solutions.
- $16.86M of new business was introduced through referrals or word of mouth, demonstrating the trust we have built with brokers, advisors, and past borrowers.
These numbers speak volumes. Over 85% of the loans we settled this year are either returned customers/referrers or have come through from new referrers.
We are grateful for their support and look forward to continuing to deliver the fast turnaround times, clear communication, and flexible lending structures they have come to expect.
Looking Ahead to 2026
As we move into the new year, PMA remains committed to providing innovative, efficient, and borrower-centric funding solutions. Market conditions continue to shift, and business owners need lenders who can adapt with them.
Our focus remains on improving our processes, expanding our broker partnerships, and ensuring we continue to be a reliable source of private funding for Australian SMEs and property developers.
If you’re a broker with clients seeking business funding, or a business owner searching for a lender who understands unique scenarios, and your requirements align with the types of loans we facilitated this year, then PMA may be the ideal fit to support your funding needs.
We encourage you to reach out, submit your scenario, and discover how our flexible lending solutions can help you move forward.
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