Private Lender in North Sydney

Across the harbour from our Barangaroo desk, North Sydney runs on corporate offices, advisory firms, and professionals whose income does not always fit a bank template. Secured Lending funds those borrowers directly. We are a non-bank lender writing first and second mortgages from $250,000 to $10 million, secured against property across North Sydney and the Lower North Shore, and a clean deal can be funded within 24 hours. We lend for business and investment purposes only.

Professional income that a bank model struggles to read

The North Sydney CBD is the second-largest office market in New South Wales, filled with advisory, financial, legal, and consulting firms. Their principals often earn through trusts and companies, bill in cycles, or carry the lumpy income of a partner or contractor. A bank reduces all of that to a serviceability number and frequently says no. We do not. The property you can offer and a credible plan to repay decide the deal, so a strong borrower the bank cannot fit is usually a quick yes for us.

• •First and second mortgages from $250,000 to $10 million, clean deals funded within 24 hours
• •Weighed on the security and the exit, not a serviceability calculator
• •Suited to trust, company, and partner income that banks reduce to a single number
• •Decided in-house, with no credit committee between your request and settlement
• •Rates from 9.7% p.a. over terms of 1 to 24 months
• •Business and investment purposes only, never a personal or consumer loan

Who borrows from us on the Lower North Shore

Our North Sydney book skews to established operators and investors who value certainty over the last basis point on a rate.

• •Advisory, legal, financial, and consulting principals with trust or company income
• •Medical and allied-health specialists around the St Leonards and Royal North Shore precinct
• •Owners settling an acquisition, a partner buyout, or a practice purchase against a deadline
• •HNW investors releasing equity from premium Mosman, Cremorne, or Neutral Bay holdings
• •Developers and builders funding a site or a fit-out near the new Metro stations
• •Businesses clearing an ATO position or refinancing expensive short-term debt
• •Borrowers a bank declined on income complexity rather than on the merits of the deal

Where most of the weight falls when we assess a deal

We assess five things, and the exit dominates. A loan is only as good as the way out, so we want that mapped first.

• •The exit: a clear, evidenced route to repay, by sale, refinance to a bank, or a known incoming payment. This outweighs everything else
• •Security and LVR: what the property is worth today and the loan set against it, usually up to 70%
• •Purpose: a clear commercial or investment use sitting behind the request
• •Title and ranking: clean title, and whether we take first or second mortgage
• •The full context: the surrounding facts that make the exit credible

Property we lend against across the North Shore

The funds are for the business or the investment, and the property secures them. Our own valuers price each asset against current North Shore evidence, which is quicker and more accurate than an outsourced desktop figure.

• •Premium residential in Mosman, Cremorne, Neutral Bay, and Kirribilli
• •A-grade and B-grade office and strata suites in the North Sydney CBD and St Leonards
• •Medical, consulting, and professional suites around Crows Nest and Chatswood
• •Retail and mixed-use through Lane Cove and Willoughby
• •Development sites near the Victoria Cross and Crows Nest Metro stations, DA approved or not
• •Property already carrying a bank loan, taken as a second mortgage, or held in a company, trust, or SMSF

“Most of the people who call us from the North Shore are not rate shopping. They are a principal or an investor with a clean asset and a deadline, and the bank has gone quiet. Show us the security and the way out, and we will give you a decision the same day.”

Gino Tabila

Associate Director

Where we lend across North Sydney and the Lower North Shore

We are a short hop across the harbour, which helps us move on deals here. We fund clients through the North Sydney CBD, St Leonards, Crows Nest, and Chatswood, the premium residential pockets of Mosman, Neutral Bay, Cremorne, and Kirribilli, and out through Lane Cove, Cammeray, and Willoughby. If the business or the security sits on the Lower North Shore, we can usually act quickly.