Asset Lend Commercial Loans in Brisbane

South-East Queensland's growth creates transitional deal volume

Brisbane, Gold Coast and Sunshine Coast collectively generate sustained transitional commercial deal flow — short-settlement opportunities, vacant assets bought for repositioning, development sites with DAs, GST-recovery purchases by buyers without two years of returns, and family-office structures with complex documentation. Asset lend funds these deals at 55–65% LVR without traditional borrower serviceability assessment, allowing borrowers to capture time-sensitive opportunities banks cannot fund.

Resale liquidity in Brisbane supports the structure

Asset lend lenders rely on being able to recover their loan through sale on default. Brisbane's commercial market provides reasonable resale depth: sub-$5M industrial in the southern and northern corridors clears within 60–120 days, suburban office within 120–240 days, and even harder-to-place secondary stock in growth corridors clears within 6–12 months. The Olympic narrative and population growth provide tailwinds for resale velocity that smaller capital city markets lack.

Pricing reflects the access premium

Asset lend rates in Brisbane currently sit at 8.50–11.50% for senior facilities depending on asset, LVR and term. This is materially above bank rates but is the cost of accessing deals that would not otherwise settle. Most facilities are structured 12–36 months IO with a defined exit (tenant securing, refinance to bank, sale, project completion). Sophisticated borrowers price the asset-lend cost into acquisition modelling and ensure equity uplift justifies it.

$3.8M vacant industrial, Yatala

Investor purchasing a vacant 1,800sqm unit at 9% below replacement cost with 3-week settlement. Bank funding impossible (vacant, timeframe). Asset lend at 60% LVR ($2.28M), 9.45% IO, 18-month term. Borrower secured a 6-year lease to a logistics operator 4 months post-settlement and refinanced to bank at 6.95% in month 12. Net asset-lend cost: ~$190k against equity uplift on stabilisation of ~$680k.

$5.2M development site, Newstead

Developer purchasing a DA-approved mixed-use site near the Brisbane River, capital deployed across two concurrent projects. Asset lend bridge at 58% LVR ($3.0M), 9.85% IO, 14-month term with capitalised interest. Refinanced into senior construction debt at month 11.

$1.6M strata office, Fortitude Valley

Borrower with adverse credit event 18 months prior, otherwise strong cash position. Purchasing for own occupation; lease income unavailable as owner-occupier. Asset lend at 55% LVR ($880k), 10.25%, 24-month term. Refinanced to low doc lender at month 22 once credit conduct was re-established.