Private Lender in North Sydney

Secured Lending is a private, non-bank lender based across the harbour in Barangaroo that funds its own loans. We provide property-secured finance from $250,000 to $10 million for businesses and investors across North Sydney and the lower North Shore, often settled within 24 hours. North Sydney runs on advisory, financial, and professional firms whose income does not always fit a bank template, so 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.

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 North Sydney

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 North Sydney and the lower North Shore, where a settlement or a practice acquisition can turn on a few days, 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 North Sydney

As a private mortgage lender we register a first or second mortgage over your property and fund the advance from our own capital, not a bank balance sheet or a warehouse line. That means we set our own criteria and back business and investment deals from $250,000 to $10 million on our own call, with no external credit committee to satisfy. Where the file is clean and the security stacks up, we can move from a first conversation to funds within 24 hours.

For borrowers in North Sydney and across the lower North Shore, a private mortgage lender fills the gap a bank leaves open. A bank prices off serviceability and pushes every file through a slow committee, while we price off the security and a credible exit, which lets us build short-term, interest-only structures around a deadline rather than a rigid product. That suits company, trust, and SMSF borrowers and the many good clients a bank has declined on paperwork alone. Plenty of the North Sydney advisory and professional firms we back have solid assets but income a bank template does not read cleanly.

“Most of the people who call us from the North Shore are not chasing the cheapest rate. They have a clean asset, a deadline, and a bank that has gone quiet. Put the security and the way out in front of us, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Around North Sydney

From just across the harbour we fund clients through the North Sydney CBD and out across the lower North Shore, taking in St Leonards, Crows Nest, and Chatswood. Wherever your business trades or your security sits on this side of the water, we can move quickly.