ThinkPrivate
Australia's leading loan origination platform for private credit, private lending and non-bank lending
Join the panel and receive transactions matched to your credit appetite from some of Australia's top brokers.
Live since Feb 2026
2,454transactions placed via ThinkPrivate
$9.0bn+value of transactions placed via ThinkPrivate
1,900+total accredited brokers
- Arc Capital
- Arc Money
- ASL
- Assetline Capital
- Aura Group
- Australia Pacific
- Austar
- Black Briar
- Capspace
- Capstone
- Connect CS
- Corval Avenue
- Dorado
- Equity Access
- Equity One
- GAP Business Loans
- GCI
- HCP Fund
- Interim Finance
- Koa Capital
- Lambert Capital
- M Squared
- Marshall Investments
- OSK Capital
- Pacific 8
- PMA
- Portica
- Privy Capital
- Reli Capital
- Rhodes Financing
- Sky Peak Capital
- Speedy Business Finance
- Stacks Finance
- Sydney Metro Fund
- Sydney Wyde
- Trilogy Funds
- Tyalla Capital
- Vado Private
- Vangeld
- Winsec
A credit paper with every deal
Each transaction is packaged into a clear, structured credit paper.
Live API data
Landchecker, Google Maps and more pull data directly into every credit paper.
Complete overview
Loan purpose, exit strategy, guarantor details and more, all captured in the paper.
A funding table on every deal
Every credit paper includes a funding table, whether it's an investment loan, second mortgage or development finance.
Documents delivered securely
Supporting documents sit securely in the portal on every transaction, not attached to an email.
Loan Structure
Loan typeFirst Mortgage
Loan purposeRefinance the existing first mortgage and release equity to clear an ATO payment plan and fund working capital for the borrower's civil contracting business, including two new excavators for a council contract starting in November. Predominant purpose is business and/or commercial use.
Loan amount$1,380,000
Loan structure6 months, interest prepaid
Property summary42 Wattlebird Crescent, Kellyville NSW, 2155
Transaction typeRefinance
Est. value$1,840,000
Existing 1st mortgage$920,000 with a major bank
Loan-to-Value Ratio (LVR)75.00%
SecurityFirst ranking registered mortgage over 42 Wattlebird Crescent, Kellyville NSW, 2155
Proposed exit strategyRefinance to a near-prime lender within 6 months, once the ATO debt is cleared and FY26 financials are lodged. Accountant confirms financials will be finalised by end of January, with two lenders already indicating appetite.
Additional commentsDirector was previously a director of an unrelated company placed into voluntary administration in 2019. All creditors were paid in full and the company was deregistered in 2021. Accountant's letter supplied in supporting documents.
Funding Table
| Total estimated property value | $1,840,000.00 |
| 42 Wattlebird Crescent, Kellyville NSW | $1,840,000.00 |
| LVR (weighted) | 75.00% |
| Loan amount | $1,380,000.00 |
| Less: pre-paid interest (6 mo, 9.25% p.a.) | $63,825.00 |
| Less: establishment fee (1.10% inc. GST) | $15,180.00 |
| Less: total refinance | $920,000.00 |
| Surplus | $380,995.00 |
Security Property
Security property address42 Wattlebird Crescent, Kellyville NSW, 2155
Property typeResidential
Property descriptionDouble-storey detached house, 4 bed, 2 bath
Property useOwner occupied
Original purchase price$1,120,000
Purchase dateMarch 2016
Lot / PlanLot 214 DP1187432
Land size612.40 m²
ZoningR2 – Low Density Residential
HeritageNot listed
Frontage16.80 m
BushfireUnaffected
FloodUnaffected
LandslideUnaffected
StatusApproved
ReferenceDA-2015/0831
Date12 Aug 2015
DescriptionConstruction of a two-storey dwelling with double garage.
Borrowing Entity Details
Borrowing entity typeCompany
Borrowing entity nameHARBOURLINE CIVIL PTY LTD
ABN51 612 384 907
ACN612 384 907
GST statusRegistered
Registered addressSuite 4, 18 Victoria Avenue, Castle Hill NSW, 2154
Date of incorporation9 June 2016
Guarantor Snapshot
1Daniel MercerGuarantor 1
| Category | Assets | Liabilities | Net Position |
|---|---|---|---|
| Property | $1,840,000 | $920,000 | $920,000 |
| Other | $185,000 | $42,000 | $143,000 |
| Total | $2,025,000 | $962,000 | $1,063,000 |
Outstanding tax debtYes, ATO payment plan circa $85k
DefaultsNo
Arrears / late paymentsNo
Active external or voluntary administrationNo
Disqualified directorsNo
Discharged bankruptcy (last 7 years)No
Credit scoreNot provided
Supporting Documents
Valuation_Report_42_Wattlebird_Cres.pdf6.30 MB, uploaded 14/09/2026
Accountant_Letter_Harbourline_Civil.pdf5.02 MB, uploaded 14/09/2026
Manage your pipeline using the lender dashboard
A kanban CRM dashboard to track every scenario
Invite your sales team and set up transaction routing
Real time transaction insights and analytics
Example of the lender dashboard: scenarios arranged in columns for pending review, info requested, terms issued, proceeding and settled, with teammates moving deals between them.
Join the panel today.
Start your accreditation
Start your accreditation in minutes online.
Start accreditation →Publish your credit policy
Set your appetite including security types, locations, LVR, guarantor profile and more.
Add your team
Invite your sales team and set up transaction routing.
Start originating
Once live, start receiving transactions directly from over 1,900 brokers.
Our Lender Code of Practice
Every lender on the ThinkPrivate panel agrees to the Code. It sets standards of conduct that go beyond minimum regulatory requirements, so brokers and their clients can deal with lenders with confidence.
Read the Code →Version 1.1, last updated 29 January 2026
Built on three pillars
- 01
Transparency
All fees, costs and conditions disclosed upfront.
- Fees clear and disclosed upfront
- Plain-language term sheets and loan documents
- 02
Trustworthiness
Terms that are honoured from term sheet to settlement.
- No bait and switch between term sheet, offer and loan documents
- Broker relationship respected and brokerage paid
- 03
Competitiveness
Fair pricing and efficient, timely processes.
- Upfront and withdrawal fees limited to actual costs
- Lending for genuine business or investment purposes only
Interested in joining?
Get started today.