Why Location Matters for Fast Loan Rates

Major metro locations get faster approvals and better rates. Our private lenders specialise in Australian capital cities, where property values are stable and exit strategies are clear. This means faster decisions and rates from 8% p.a.

Why Metro Locations Get Better Rates

Private lenders assess risk based on:

Factor	Metro Property	Regional Property
Liquidity	High — sells fast if needed	Lower — longer to sell
Valuation certainty	Many comparable sales	Fewer comparables
Demand	Strong buyer pool	Limited buyers
Exit risk	Low	Higher
Result	Better rates, faster approval	Higher rates, more scrutiny

The Maths on LVR

LVR	Typical Rate	Why
50% or less	8-12% p.a.	Lender has huge safety buffer
50-65%	10-14% p.a.	Good security position
65-75%	12-16% p.a.	Standard private lending
75%+	15-18%+ p.a.	Higher risk territory

Sweet spot: Metro property + 50% LVR = best possible fast loan rates

What Qualifies as Metro?

Major City Metro Areas We Fund

All Australian capital city metro areas:

Sydney — CBD and suburbs within 25km
Melbourne — CBD and suburbs within 25km

Brisbane — CBD and suburbs within 20km
Perth — CBD and suburbs within 20km

Adelaide — CBD and suburbs within 15km
Gold Coast — Main strip and surrounds

Canberra — All established suburbs

What We Don't Fund

Regional towns
Rural properties

Remote locations
Properties 30km+ from CBD (case-by-case)

Fast Loan Options for Metro Properties

Bridging Finance

Rates from 8% p.a. (50% LVR, prime metro)
24-48 hour approval

Settlement in 48-72 hours
Buy before you sell

Settlement gaps

Business Loans (Property Secured)

Rates from 9% p.a. (metro commercial security)
Working capital, equipment, expansion

First mortgage security preferred

Development Finance

Rates from 10% p.a. (metro sites)
Site acquisition to completion

Townhouses, units, apartments
Commercial development

First Mortgage Loans

Rates from 8% p.a. (50% LVR metro)
Any property purpose

Fastest approvals
Best rates available

How to Get the Best Rate

1. Metro Location ✓

Property in major city metro area = automatic rate improvement.

2. Low LVR ✓

Keep LVR at 50% or below. If you can put up more equity, do it.

3. Clear Exit ✓

Strong exit strategy (refinance to bank, property sale, etc.)

4. Good Security ✓

Standard residential/commercial property. No unusual assets.

Example Rate Scenarios

Scenario	LVR	Location	Rate
House, Sydney Inner West	50%	Prime metro	8-10%
Unit, Melbourne CBD	55%	Prime metro	9-11%
Commercial, Brisbane	50%	Metro	9-12%
Townhouse development	60%	Metro	10-13%
Regional house	50%	Regional	12-15%

Fast Approval Process

Metro Properties = Faster Processing

Application — 5 minutes online
Indicative terms — Same day (often within hours)

Valuation — 24-48 hours (metro has fast turnaround)
Formal approval — 24-48 hours

Settlement — 24-72 hours

Total: As fast as 3-4 business days for metro properties

Frequently Asked Questions

Why do metro properties get better rates?

Lower risk. Metro properties are easier to value, easier to sell if needed, and have stable demand. Lenders reward this with better rates.

What LVR do I need for the best rates?

50% or below gets you into the 8-12% p.a. range. Every reduction in LVR typically improves your rate.

Can I get fast funding for regional property?

Some lenders will consider regional, but expect higher rates (14-18%+) and more scrutiny. Metro is always faster and cheaper.

What counts as "metro"?

Generally within 20-30km of a capital city CBD, in established suburbs with good infrastructure and comparable sales.

Get Fast Metro Finance Today

If you have property in a major metro area, you qualify for the fastest approvals and best rates available in private lending.

Introducr connects you with verified lenders who specialise in metro property finance.

Metro properties from 8% p.a.
50% LVR = premium rates

24-48 hour approval
48-72 hour settlement

Get your fast metro loan now — post your deal and receive competitive offers within hours.

Why Location Matters for Fast Loan Rates