Private Lender in the Eastern Suburbs

Much of the wealth in the Eastern Suburbs is locked up in the houses, in Bondi, Double Bay, Vaucluse, Bellevue Hill, and Rose Bay, and in the founders and investors who own them. Secured Lending exists to put that equity to work quickly and quietly. We are a non-bank lender writing property-secured loans from $250,000 to $10 million from our own funds, with a clean deal funded within 24 hours, for business and investment only. Our desk sits in Barangaroo, a short drive across the city.

Equity in the home, capital for the business

A founder or investor with a multi-million-dollar home in Double Bay or Bellevue Hill is, on paper, exactly the borrower a bank should want. In practice, income earned through companies and trusts, billed in lumps, or paid as a self-employed professional gets flattened into a serviceability number that often does not pass. We take a different view: the equity sitting in the property and a credible plan to clear the loan decide the deal. That is why we can release capital from a premium Eastern Suburbs home where a bank stalls.

• •Loans of $250,000 to $10 million, clean files funded within 24 hours
• •Judged on the equity in the property and the exit, not a serviceability calculator
• •Built for company, trust, and self-employed income that banks reduce to one figure
• •Decided by the people you speak to, with no external credit committee
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •For commercial and investment purposes only, never personal or consumer credit

The borrowers who call us from the east

Our Eastern Suburbs book leans toward founders, investors, and operators who weigh discretion and speed above the last point on a rate.

• •Founders and self-employed professionals releasing equity from a Vaucluse, Rose Bay, or Bellevue Hill home for the business
• •Hospitality and boutique retail operators around Bondi, Double Bay, and Bondi Junction funding fit-out, stock, or working capital
• •Investors holding premium residential who need to bridge a settlement or fund the next purchase
• •Owners of commercial and strata office space in Bondi Junction borrowing against their premises
• •Companies settling an acquisition, partner buyout, or a deal that turns on speed rather than the cheapest rate
• •Borrowers clearing an ATO position or refinancing costly short-term debt onto a cleaner facility

What we accept as security

The funds back your business or investment, and the property stands behind them. Our own valuers price each asset against current Eastern Suburbs sales, which is both faster and sharper than an outsourced desktop estimate.

• •Premium residential: a family home, investment property, or apartment in Vaucluse, Rose Bay, Bellevue Hill, Double Bay, or Bondi
• •Commercial and strata office space through Bondi Junction
• •Hospitality and boutique retail premises around Bondi, Double Bay, and the eastern beaches
• •Property held inside a company, trust, or SMSF, which is common among investors here
• •Vacant land and development sites, DA approved or not
• •Property with an existing bank or non-bank loan against it, where we lend behind as a second mortgage

The five things we weigh on every deal

We look at five things, and the exit carries the most weight. A loan is only as sound as the way out of it, so that is the first thing we want to see mapped.

• •The exit: a clear, evidenced route to repay, by sale, refinance to a bank, or a known incoming payment. This sits above everything else
• •Security and LVR: the current value of the property and the loan against it, generally to around 70%
• •Purpose: a genuine business or investment use for the money
• •Title and ranking: clean title, and whether we take a first or second mortgage
• •The wider picture: the context around the deal that makes your exit credible

“The people who call us from the east are not chasing the cheapest rate. They are a founder or an investor with a serious asset behind them and a deal that turns on moving quietly and quickly. Show us the equity and a clear way out, and you will have an answer the same day, handled by a small team.”

Gino Tabila

Associate Director

Where we lend across the Eastern Suburbs

We fund clients right across the east, from the premium residential pockets of Vaucluse, Bellevue Hill, Rose Bay, and Double Bay to the hospitality and retail strips of Bondi and Bondi Junction, and out through Woollahra, Paddington, Randwick, Coogee, and the eastern beaches. Whether you are releasing equity from a home or backing a venue or office, if the business or the security sits in the Eastern Suburbs we can usually act fast.