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First Registered Mortgage

Obtain fast, stable, first mortgage loans from Pacific 8 to be secured against real property.

What Are First Mortgages?

A first registered mortgage is a loan to a business or individual against the security of real property such as residential, commercial, industrial, or vacant land. First mortgage loans are typically the initial loan a borrower secures, with precedence over other loans tied to a property and are notably lower risk.

Having such a priority ensures it is the first to be repaid in case of a default, with the security of being backed by real estate through a primary registered mortgage.

Pacific 8 provides clients with safe and dependable choices by delivering first mortgages on Australian real estate through private mortgage funding.


Traditionally, large banking institutions have offered first mortgages that span extensive periods and are slow to approve. Today, long term and the slow approval process don’t always align with the financial needs of all borrowers.

Each property under consideration undergoes an evaluation by a registered valuer instructed by Pacific 8, which our credit team then examines.

With private mortgage funding from Pacific 8, we provide:

  • Borrowing solutions between $300,000 and $25,000,000
  • Tailored interest rates and financial solutions to meet your needs
  • Loan terms from 3 months to 2 years.
  • A maximum Loan to Valuation Ratio (LVR) of 75% of the value of the property mortgaged
Recent Funded First Registered Mortgage

Loan Amount:



Balmain waterfront home







Learn More About Our Private Mortgage Funding Available at Pacific 8 

Speak with our specialists at Pacific 8 for more information regarding our first mortgage investment options, or submit an application form today.
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Frequently Asked Questions

First mortgage loans are assessed immediately, and if everything is in order, we can settle within three days. If you were with a bank, they would take weeks even to review your application.

We only lend to a borrower with an active ABN.

As long as you have an ABN and real estate security, we may be able to assist you.

Borrowers who do not qualify for a loan from Pacific 8 include those who require funds to acquire or refinance a residential property.

Our loans range from 3 to 24 months, starting at $300,000 and going up to $25 million.