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K Direct - Private Lending

1st Mortgage

8% - 12% p.a.
6 - 12 months

2nd Mortgage

1.5% - 2.5% p.m.
3 - 6 months

  • $500K – $5M per loan

  • Up to 70% LVR - residential property

  • Up to 65% LVR - commercial property

  • 24 hours approval

  • No credit scoring

  • Disbursed in 5 Business Days

  • No monthly fee and hidden charges

  • $500K – $2M per loan

  • Up to 80% LVR -residential property

  • Up to 75% LVR -commercial property

  • 48 hours approval

  • No credit scoring

  • Disbursed in 5 Business Days

  • No monthly fee and hidden charge


Over AU$150 mil loans Australia wide

Fast approvals

Self managed Business Loan 

Incredible interest rates

Up to 85% LVR loans

Non-residents loans

SMSF loans

Bad credit home loans 

Email for further information

Why choose KBRZ

At KBRZ we aim to distinguish ourselves with our speedy quote processing. To help clients enjoy greater profits, we are offering both 1st and 2nd mortgages for clients who need that extra bit of financial freedom. With options for higher LVR's* and highly competitive rates*, we aim to provide unique financial solutions that are tailored for our clients, all done through a fast and minimal hassle process. 

Our Advantage:

 -We are an industry recognised non-bank lender with proven track records
- We deliver with speed and efficiency to secure your business opportunities
- We tailor each funding solution to meet your unique needs
- We offer flexible terms with transparency, no hidden fee 

What is Private Lending?

Private lending can be called asset lending. As private lenders lend money with a focus on the value of an asset, unlike traditional banks lenders lend money focus much on borrowers' income serviceability. When the sophisticated borrower is not able to borrow money from traditional banks, a private lender loan would be an applicable alternative


As a private lender loan has real estate secured. It comes in the forms of 1st or 2nd ranked mortgages. Thus the costs would vary, 2nd ranked mortgage generally costs more due to its higher risk level. The type of asset to be secured can usually be residential, commercial real estate, vacant land, industrial property, and so on. The maximum LVR is 65% to 85% subject to the type of asset. A private lender loan is also a  popular solution for clients who may only need the money for the short term.

Private lending is unregulated by the National Consumer Protection Act. This does not mean that it tends to behave unethically. But it is vital to make sure the private lender you are engaging with is reputable. As  a member of ASIC , our goal is to be the ethical lender in the industry. 

FAQs about K Direct private lending

Q1. Is private lending secured or unsecured?

  • Private lending is definitely secured. Contrary to popular belief, private lending in Australia is secured as they are governed and regulated by law and practices. With KBRZ, we can provide consultation sessions with a reputable mortgage broker who is safe and legitimate.


Q2. Do I need security for a loan?

  • Typically, yes! In most cases, we required our clients to provide their property as part of their security. Equity from your property will be able to borrow against it.


Q3. For what purpose can I use k-direct private lending?

  • For the vast majority of the time, private lending is needed for business purposes. It includes a range of activities such as purchasing a commercial property, starting a new business, paying out debt and etc. However, at KBRZ, K-loan private lending is provided to clients that are looking to invest or purchase in a residential investment property or owner-occupied residential property.


Q4. How does k-direct private lending work?

  • Private lending provides funds to the borrower based on the borrower’s security. Our credit analyst will check the security provided by the clients and decide what and how the best alternative payment is to be repaid.


Q5. Is it true that private lending is unregulated and more akin to loan sharks?

  • This is not true. Private lending is indeed unregulated by the national consumer protection act. However, this does not mean it is unethical. At KBRZ, most of our private lenders are run by fund managers who have clear set processes, a credit assessment team and other checks. Thus, it is important to make sure that the private lender that you are engaging with are reputable and ethical.

For every service we provide

  1. How the products  meet the client’s needs, goals, priorities, and preferences.

  2. To compare packaged products to individual home loans without other packaged credit products like credit cards.

  3. Whether advising the clients take out that product, as part of a package, would be in the client’s best interests, and why is that.

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