Unlock capital against gold and bullion without selling
Gold has long been used as a store of value. When timing matters, gold, bullion, coins and gold jewellery may provide access to capital without requiring you to permanently sell.
Speak to an Asset SpecialistWhat We Accept
We accept all forms of investment-grade gold and silver. Below are the most common products we work with, along with the relevant standard for each.
Gold Bars & Ingots
LBMA accredited refiners — all weights from 1g to 1kg+
Gold Coins
Krugerrand, Maple Leaf, Britannia, American Eagle, Sovereign
Perth Mint Products
Gold and silver coins, bars and cast products
Silver Bars & Coins
999 fine silver — all weights and formats
Platinum Bars & Coins
Investment grade platinum products
Gold Jewellery by Weight
Assessed on metal content — 9ct through 24ct
Raw & Refined Gold
Nuggets, granules and refined scrap assessed by assay
Loan Range
$10K – $1M
Interest Rate
10 – 30%
Per month, subject to assessment
Funds Released
Same Day
After contract signing (pending bank transfer delay)
Storage
Insured & Secure
Fully insured, secure off-site storage for the duration of your loan.
Why Borrow
Access capital while keeping ownership of your gold
Selling gold may solve a short-term need but removes any exposure to future price movements. Borrowing may allow you to access capital while retaining ownership.
How Gold Is Assessed
What Affects Your Gold Loan Value?
Current Spot Price
All gold and silver is valued against the live spot price on the day of appraisal — the same market rate used by institutional buyers.
Purity & Fineness
24ct (999.9) fine gold commands the highest per-gram rate. 22ct (916), 18ct (750), and 9ct (375) are assessed proportionally.
Weight
Total troy ounce weight is the primary value driver. We weigh all metal ourselves using calibrated scales.
Form & Certification
LBMA-accredited bars with original assay certificates achieve the best valuations. Perth Mint products, branded coins, and certified pieces all carry a premium over uncertified scrap.
All valuations are assessed at the time of appraisal based on current spot price and metal content. Values shown are indicative only.
Why Luxe
A private alternative to pawning gold
A private alternative to pawning gold or selling to a gold buyer — Mega Cash Luxe Lending offers specialist assessment at live spot price, discreet handling and secure storage, positioned above a standard cash-for-gold counter.
How It Works
Submit Enquiry
Simply fill out the contact form or give us a call on 1300 145 229. We provide loans against items with a value between $10,000 and $1,000,000.
Private Appraisal
Once we've received your enquiry, we'll be in touch with a quote and a clear explanation of our fee structure. Interest rates range from 10–30% per month, depending on the item and individual circumstances.
Finalise Offer
After the loan amount is agreed, we'll arrange the exchange and issue the contract. Loans begin with an initial 3-month term, with interest charged monthly. Each monthly payment automatically extends the loan by one month. We retain possession of the goods in a secure location throughout the duration of the loan.
Receive Funds
Funds will be released either instantly or within 48 hours after the contract is signed, subject to the size of the loan.
Gold & Bullion Loan FAQs
Get Started
Contact Us
Complete the form and our team will be in touch. We offer loans secured against a broad range of items, with values from $10,000 to $1,000,000. Alternatively, call us directly on