Private Credit Loans is operated by Andorra Capital Solutions Pty Ltd (ACN 675 464 623 / ABN 32 675 464 623). We arrange property-secured business-purpose loans for Pty Ltd and entity borrowers across Canberra, the ACT and the Queanbeyan–Palerang region through a panel of non-bank lenders and private investors familiar with Territory leasehold.
Canberra's steady, tenant-led market
Canberra is the most stable commercial property market in the country, for one reason: the tenant base. The Commonwealth and its agencies, the universities, the defence and technology contractors clustered around them and the professional firms that serve them underwrite office demand in Civic, Barton and the town centres in a way no other capital can match. That stability shows up in valuations — long leases to government-adjacent covenants are prized — and in panel appetite for Canberra security.
The private-sector market sits alongside it. Braddon and the inner north have been remade by mixed-use development; Fyshwick, Hume and Mitchell carry the Territory's industrial and large-format retail; Belconnen, Gungahlin and Tuggeranong town centres each support their own commercial and medium-density residential pipelines. Entity borrowers here are typically developers delivering townhouse and apartment product in the town centres, owner-operators acquiring their premises, and investors repositioning older office stock as agencies consolidate into newer buildings.
ACT-specific considerations
Lending in the Territory has features that borrowers from the states, and lenders unfamiliar with Canberra, need to understand:
—Crown leasehold, not freehold. All land in the ACT is held under long-term Crown lease, typically 99 years. The lease is a registrable, mortgageable interest and our panel lends against it as a matter of course, but the lease's purpose clause governs what the land may be used for. A change of use triggers a lease variation process and a lease variation charge, which must be allowed for in any development feasibility.
—Duty and land tax. The ACT has been shifting its revenue base from conveyance duty towards general rates over a long transition, so the duty treatment of a commercial or investment acquisition differs from NSW and changes over time. Land tax applies to residential investment property, including entity-held property. Confirm the current position with your solicitor before you model the deal.
—Lease expiry and renewal. Older Crown leases with shorter unexpired terms are assessed differently by valuers and lenders. Where a renewal is due, factor the process and cost into the exit.
—Queanbeyan is New South Wales. Property across the border — Queanbeyan, Googong, Bungendore — is freehold under NSW law, with NSW duty, land tax and conveyancing practice. Many Canberra entities hold assets on both sides; the loan structure follows the title.
Settlement practice in the Territory
Transactions settle electronically through PEXA with the ACT land titles office. Valuation is the pacing item: the Canberra valuer panel is smaller than Sydney's, and specialised or large assets can take longer to inspect and report. We instruct on day one, use panel valuers who work the Territory regularly, and have the funder's solicitors confirm the lease purpose clause and unexpired term early so there are no surprises at documentation.
Canberra scenario — illustrative
Fyshwick premises purchase from a retiring landlord
A Pty Ltd trade-services business had leased a Fyshwick warehouse-and-showroom for a decade. The landlord decided to sell and offered the tenant first right at a fair price, with six weeks to settle before the property went to market. The company's bank was supportive but its process for an owner-occupied commercial purchase could not meet the date.
We arranged a private first mortgage over the Crown lease for a nine-month term with interest capitalised, settling inside the landlord's window. The lender's solicitors confirmed the lease purpose clause matched the business's use and the unexpired term was long. The bank refinanced the facility once its own approval and valuation were complete, at which point the private loan was repaid in full.
Loan products we arrange for Canberra borrowers
Every loan is a business-purpose facility to an entity borrower, secured by a registered mortgage over ACT leasehold or NSW freehold property:
—First Mortgage Loans — premises acquisitions, settlement bridges and refinances over office, industrial and residential investment property across the ACT and Queanbeyan.
—Second Mortgage Loans — capital against equity in a Canberra asset behind an existing lender, for a deposit, a tax liability or working capital.
—Construction Finance (No Presales) — progress-draw facilities for townhouse and apartment projects in the town centres and the inner north, where the developer prefers to hold or sell completed stock.
—Renovation & Flip Finance — purchase-plus-renovation facilities for entity borrowers repositioning older housing stock in the inner suburbs.
Our panel covers the whole Territory and the surrounding NSW region — Queanbeyan, Yass, Goulburn and the Southern Highlands — with valuers and solicitors who work Territory leasehold regularly. Regional security further afield is assessed on the depth of the local resale market. Sydney-side deals are covered on our Sydney page.
Contact us
Private Credit Loans (operated by Andorra Capital Solutions Pty Ltd)
Suite R1926, 38–40 Pitt Street, Sydney NSW 2000Registered office — postal only — no walk-in
National service — registered office in Sydney (postal only). We arrange loans for entity borrowers across all Australian states and territories.
Important — Business Purpose Lending Only
IMPORTANT — BUSINESS PURPOSE LENDING ONLY. Andorra Capital Solutions Pty Ltd (ACN 675 464 623 / ABN 32 675 464 623) is a commercial finance broker and introducer. We arrange property-secured business-purpose loans between Australian corporate borrowers and a panel of non-bank lenders and private investors. We do not provide credit ourselves. We do not arrange consumer credit and we do not arrange credit regulated by the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) or the National Credit Code. We are not an Australian Credit Licensee. Every loan arranged through us is either to a borrower that is not a natural person (outside the National Credit Code under section 5(1)) or for purposes that are wholly or predominantly business or investment purposes (outside under section 6(1)), or both. All borrowers are required to execute a Business Purpose Declaration and to evidence the true business purpose of the funds. No part of any loan arranged through us may be applied for personal, domestic or household purposes. If a borrower applies any part of the funds for a purpose to which the NCCP Act would apply, the borrower does so in breach of the loan agreement and indemnifies the lender against any resulting loss, claim or cost. The information on this website is general in nature, does not constitute financial, legal or taxation advice, and does not take into account your objectives, financial situation or needs. No interest rates, fees or other commercial terms are advertised on this website; pricing is determined by the relevant panel lender or private investor and is disclosed to the borrower as part of indicative terms. All loans are subject to credit assessment, satisfactory security, valuation, and execution of formal loan documentation by the relevant lender. For consumer credit (regulated under the NCCP Act), contact a licensed credit provider.
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