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 the Gold Coast, from Coomera to Coolangatta and across the border into the Tweed, through a panel of non-bank lenders and private investors with Queensland appetite.
The Gold Coast's two-speed property market
The Gold Coast runs two markets at once. Along the coastal strip — Surfers Paradise, Broadbeach, Main Beach, Burleigh Heads — the stock is high-rise and strata, trades on lifestyle and tourism demand, and swings with sentiment. Inland, the Southport CBD, Robina and Varsity Lakes commercial precincts, the Yatala and Molendinar industrial estates and the northern growth corridor through Coomera, Pimpama and Ormeau trade on population growth and infrastructure. The two behave differently in a valuation and lenders know it: a Burleigh commercial freehold with a long lease and a half-built Southport tower are not the same risk, and the panel appetite for each is different.
What the Gold Coast has in abundance is development activity. Townhouse and small-lot subdivision projects across the northern corridor, boutique apartment buildings on the coastal strip, mixed-use conversions around the light rail, and a steady pipeline of hospitality and tourism assets changing hands. Much of that activity is run by Pty Ltd special-purpose vehicles that need site acquisition finance, construction funding without presale cover, or a residual-stock facility at the end — which is the core of what our panel funds.
The 2032 Olympic program has pulled forward public investment in transport and venues across south-east Queensland, and the Gold Coast carries a share of it. For an entity borrower that means rezoning uplift and site opportunities along the light rail extensions and around the venue precincts — and competition for them, with vendors increasingly expecting unconditional offers and short settlements.
Queensland-specific considerations
Corporate borrowers acquiring or refinancing Gold Coast property should budget and plan for several Queensland-specific features of a transaction:
—Transfer duty and land tax. Queensland Revenue Office assesses transfer duty on acquisitions by companies and trusts, with additional surcharges where a foreign entity is involved, and land tax annually on entity-held land above the threshold. Both are holding and transaction costs the lender will expect to see in the feasibility, and your solicitor should confirm the current thresholds and rates for the structure you are using.
—Strata and body corporate due diligence. A large share of coastal-strip security is strata titled. Lenders and valuers will look at the body corporate's records, sinking fund, levies and any building-defect history before settling on value. Allow time for the search.
—Contract timing. Standard Queensland contracts commonly provide for 30-day settlements, shorter than the NSW norm, and a cooling-off period that does not apply to auction purchases. A Pty Ltd buyer who has gone unconditional on a 30-day contract has very little room for a bank process that slips.
—Cross-border security. Tweed Heads and the Northern Rivers sit in New South Wales, with NSW duty, land tax and conveyancing practice. We arrange loans on both sides of the border; the panel solicitor and the registry simply change.
Settlement practice on the Coast
Settlement is electronic through PEXA, as elsewhere. The practical constraints are valuation access and documentation. Our panel valuers cover the Gold Coast from Brisbane and locally; for high-rise and specialised assets a full valuation with comparable evidence is standard and can take longer than a suburban house. Where a deal is time-critical we instruct the valuation on day one, run first-mortgagee consent in parallel where a second mortgage is involved, and have the funder's solicitors brief the borrower's solicitor early so documents are ready before the valuation lands.
Gold Coast scenario — illustrative
Coomera site acquisition ahead of a subdivision approval
A Pty Ltd developer identified a two-hectare parcel in the Coomera growth corridor with a lapsed approval and a motivated vendor offering a 30-day settlement. The entity's bank would fund the subdivision civils once a fresh approval issued, but would not settle raw land on a month's notice. The directors had equity in a completed townhouse project in Pimpama that was selling down.
We arranged a private first mortgage over the Coomera site at a conservative loan-to-value ratio appropriate to raw land, supported by a second mortgage over the unsold Pimpama stock, with interest capitalised for a twelve-month term. The exit was the bank's civils facility on approval, with townhouse settlements reducing the second along the way. Valuation was instructed the day terms were issued and the loan settled inside the vendor's window.
Loan products we arrange for Gold Coast borrowers
Every loan is a business-purpose facility to an entity borrower, secured by a registered mortgage over Queensland or NSW real property:
—First Mortgage Loans — acquisition, bridging and refinance of commercial, industrial and residential investment property from Southport to the Tweed, including site acquisitions in the northern corridor.
—Second Mortgage Loans — capital against equity in a Gold Coast asset behind an existing bank first, for a deposit on the next site, an ATO liability or working capital.
—Construction Finance (No Presales) — progress-draw facilities for townhouse, small-lot and boutique apartment projects where the developer prefers to sell completed stock into a strong local market rather than discount off the plan.
—Renovation & Flip Finance — purchase-plus-renovation facilities for entity borrowers repositioning older coastal-strip units and canal-estate houses for resale.
Our Queensland panel — valuers, commercial solicitors and settlement agents — covers the Gold Coast from Brisbane and locally, with established PEXA workspaces and experience in strata, hospitality and development-site valuations. Security on the Sunshine Coast, in Toowoomba or in regional Queensland is also within panel appetite, subject to valuation and the depth of the local resale market. See our Brisbane page for the wider south-east Queensland picture.
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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