It’s not just about the interest rate. It’s about the strategy.

The Commercial Bank Loan – The Steady Marathon Runner

• Best For: Long-term holds (5–30 years).
• The Perk: The lowest interest rates in the market (currently starting from ~5.85%).
• The Catch: Stricter “Full Doc” requirements, lower LVRs (typically 65–75%), and a slow approval process (4–8 weeks).
• Verdict: Use this when you have time on your side and “perfect” financials.

Private Lending – The High-Octane Sprinter

• Best For: Time-sensitive flips, urgent settlements, or “outside the box” scenarios.
• The Perk: Speed. Funding can happen in 1–2 weeks. They focus on the asset value, not just your tax returns.
• The Catch: Higher rates (typically 8–11%) and shorter terms (usually 6–24 months).
• Verdict: Use this to seize an opportunity today that the bank would take 2 months to approve.

Don’t bring a knife to a gunfight.  

In 2026, the wrong loan structure can kill a deal before it starts. At Finselect Group, we help you bridge the gap, whether that’s a stable bank loan or a fast private exit.

Have a deal that needs a fast look? Let’s talk about strategy.