Renovation & Flip Finance for Property Developers
Fast, flexible finance for property renovation and resale projects
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Short-term commercial loans from $250K to $5M
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Fast Approvals
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A lender who understands renovation projects
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours. Please note: Both the property and the borrower must be in the company name when submitting the Quick App.
What is Flip Finance?
Flip finance is short-term funding used by property investors or developers to buy, renovate, and quickly resell a property for profit. It provides fast access to capital so the borrower can acquire the property, complete renovations, and bring it back to market efficiently. Because speed is essential in a flip project, flip finance helps investors secure deals quickly, manage renovation costs, and maximise resale returns.
Why Property Developers Use Flip Finance
Australia’s property market continues to offer strong opportunities for renovate-and-resell projects. While shows like The Block have inspired many to explore house flipping, serious investors know that successful projects require more than just good design. They need fast, flexible finance to seize the right opportunities.
That’s where Private Mortgages Australia (PMA) helps. We provide short-term renovation and flip loans for business and investment purposes. Whether you’re funding your next acquisition, upgrading an investment property, or managing multiple projects, PMA’s solutions are designed to support experienced property professionals who treat flipping as a business.
We can even offer a split facility, giving you access to funds for both the property purchase and the renovation phase when you’re ready to begin. This means you can plan confidently, manage cash flow effectively, and complete projects faster.
Who Is This Loan For?
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Property developers renovating and reselling
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Brokers assisting property investment clients
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Investors seeking short-term business funding
*This loan is not intended for:
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Homeowners renovating their residence
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Long-term residential borrowers
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Personal or owner-occupier finance
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the borrower.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study - Strategic Flip & Subdivision
Background
- The borrowers were experienced property developers (“flippers”) with backgrounds in real estate, construction, and licensed building.
- Their plan: purchase a large residential lot, subdivide it into two lots, renovate, and then exit via refinancing or resale.
- Traditional banks weren’t an option because this was a short-term, non-standard financingneed.
Deal Structure
- Property: Detached house on ~810 sqm land in Annerley, QLD.
- Valuation: $1,450,000.
- Loan amount: $1,087,500 (first mortgage). LVR: 75%.
- Term: 6 months prepaid, plus options for six-month extensions.
- Exit Strategy: Refinance into renovation/subdivision loan after purchase.
Why PMA
- PMA provided short-term, flexible finance when banks couldn’t, enabling the developer to act quickly.
- The loan structure supports their business model: buy first, then renovate/subdivide.
- With a clear exit plan, PMA was able to lend without the borrowers needing to service the loan.
Outcome & Impact
- The developer secured the land and had the financial runway to execute the subdivision.
- PMA’s funding flexibility allowed the property developer to get on with the project without having to worry about regular repayments.
- The borrower was able to take the opportunity leading to a healthy profit.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
My experience with PMA has been first class and I would not hesitate to recommend PMA to any of my fellow Brokers. Absolute pleasure in dealing with you and the whole team at PMA.
...George K. - Broker, VIC
2026-07-02 10:30:26
★ ★ ★ ★ ★
Our sincerest gratitude to Peter, Shanta, Gerry and the team at Private Mortgages Australia. Their financing solutions have enabled us and our business Kullcorp Precast to continue development of our world first Low Carbon Concrete (LCC) precast concrete panel business here in Moss Vale, NSW....
Geoff Kull - Repeat Borrower
2021-04-06 04:57:06
★ ★ ★ ★ ★
I have found the team at PMA to be personable and a pleasure to deal with, and more importantly they moved very quickly to get our funding approved in the necessary time. I would use them again, and have no problem in recommending them to my friends and colleagues....
Emily R - Property Developer, Melbourne
2018-09-06 00:46:25
★ ★ ★ ★ ★
I approached the team at PMA as the matter was urgent and my client was saved from losing their residential property. The team at PMA wasted no time to approve my clients refinance of $1.375M and it settled within four days. I have a very satisfied client now thanks to the team at PMA....
Hedley Harding
2020-03-11 23:36:50
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
