Private Lender in the Eastern Suburbs

Secured Lending is a private, non-bank lender based in Barangaroo that funds its own loans. We provide property-secured finance from $250,000 to $10 million for businesses, investors, and developers across the Eastern Suburbs, often settled within 24 hours. When a bank has said no or cannot move quickly enough, we assess the deal on the value of your security and a clear plan to repay, not a serviceability score. Much of the wealth here sits in premium homes, and putting that equity to work quietly is what a good share of our local borrowers come to us for.

Our Private Lending Products

• •First and second mortgages
• •Bridging finance between property settlements
• •Caveat loans for fast, short-term funding
• •Business-purpose and cash-out loans
• •Refinance of expensive short-term debt
• •ATO and creditor payout finance

Why Use a Private Lender in the Eastern Suburbs

Banks assess income and serviceability, run every file past a credit committee, and often decline good borrowers whose income is lumpy or held through a company or trust. We work the other way. Across the Eastern Suburbs, where many investors hold premium property through trusts and self-managed super funds, we look at the property offered as security and how the loan will be repaid, which lets us commit quickly and fund when it matters.

• •Approvals in hours and funding within 24 hours on a clean file
• •Assessed on the value of your security and your exit, not a serviceability test
• •Complex, self-employed, and non-conforming income welcome
• •Company, trust, and SMSF borrowers are no obstacle
• •Short-term, interest-only funding available
• •Business-purpose and cash-out loans welcome

Who We Help

• •Property owners and investors
• •Developers and commercial property owners
• •Mortgage brokers and finance advisers
• •Lawyers and accountants referring clients
• •Business owners who need urgent capital

We lend for business and investment purposes only, never personal home loans or consumer credit.

Our Rates, Terms and Lending Criteria

• •Loan size: $250,000 to $10 million
• •Term: 1 to 24 months, typically 3 to 6
• •Rates: from 9.7% p.a., with every cost set out in the letter of offer
• •LVR: up to 70%, and up to 75% on strong, well-tenured assets
• •Security: a registered first or second mortgage over property
• •Exit strategy: required on every loan, by sale, refinance, or incoming funds

The exit is the single most important factor we assess. A loan is only as sound as the plan to repay it, so we map that first and build the rest of the decision around it. Property held in companies, trusts, or SMSFs is fine, and we take residential, commercial, industrial, and development security.

Private Mortgage Lender in the Eastern Suburbs

As a private mortgage lender, we write registered first and second mortgages over property and fund every loan from our own capital, so there is no bank behind us dictating the terms. We are a non-bank lender, and we lend from $250,000 to $10 million strictly for business and investment purposes. On a clean file, that funding can reach your account within 24 hours.

A private mortgage lender works differently to a bank. We assess the property offered and your exit rather than a serviceability score, we can commit in hours instead of weeks, and we build loans short-term and interest-only so they fit a bridge or a quick acquisition. That flexibility matters most to the SMSF and trust investors who hold so much of the property here, and to borrowers a bank has already declined. Across the Eastern Suburbs, those are the people who call us most.

“The people who call us from the Eastern Suburbs are not chasing the cheapest rate. They have a strong asset, a deadline, and a bank that has gone quiet. Show us the equity and a clear way out, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Across the Eastern Suburbs

We fund clients right across the Eastern Suburbs, from the premium homes of Double Bay and Vaucluse to the shops and offices around Bondi Junction, Randwick, and Woollahra. Wherever your business trades or your security sits, we can move quickly.