Private Lender in Parramatta

Secured Lending is a private, non-bank lender based in Barangaroo that funds its own loans. We write property-secured finance from $250,000 to $10 million for businesses and investors across Parramatta and Greater Western Sydney, often settled within 24 hours. When a bank has said no or cannot move fast enough, we look at the value of your security and a clear plan to repay, not a serviceability score. Parramatta trades at a pace a bank credit committee rarely keeps up with, and that gap is where we work.

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 Parramatta

Banks assess income and serviceability, run every file past a credit committee, and often decline sound borrowers whose income is lumpy or held through a company or trust. We work the other way. Across Parramatta and Greater Western Sydney, where a settlement or an acquisition can turn on a few days, we weigh the property offered as security and a credible plan to repay, which lets us commit quickly and fund when it counts.

• •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 Parramatta

As a private mortgage lender we write registered first and second mortgages against property, funded from our own capital rather than a bank balance sheet. That non-bank position lets us decide in-house and lend from $250,000 to $10 million for business and investment, with a clean file often funded within 24 hours.

A private mortgage lender suits borrowers a bank will not move on, whether the timing is too tight or the income sits inside a company, trust, or SMSF. Across Parramatta and Greater Western Sydney we can price a short-term, interest-only mortgage in hours and settle while a bank is still queuing your file, and many of the borrowers we back here came to us only after their bank declined them.

“Parramatta has grown into a serious commercial centre, and the operators here work to deadlines a bank cannot always meet. They are not chasing the cheapest rate, they want certainty. Put a sound security and a clear way out in front of us, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where We Lend Around Parramatta

From Barangaroo we fund clients right across Parramatta and Greater Western Sydney, from the Parramatta CBD to Westmead, Harris Park, and out along the wider Western Sydney corridor. Wherever your business trades or your security sits, we can move quickly.