Private Lender in Sydney

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 Sydney, 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.

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 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. In Sydney, where a settlement or an 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%
• •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 Sydney

As a private mortgage lender, Secured Lending takes registered first and second mortgages over property and lends from our own capital rather than a bank balance sheet. We write both first and second mortgages for business and investment purposes, from $250,000 to $10 million, and once the security and exit stack up the funds can reach you within 24 hours.

Working with a private mortgage lender means there is no serviceability test and no credit committee sitting between you and a decision; we look at the property offered and how the loan gets repaid, then structure a short-term facility around it. That makes us a fit for company, trust, and SMSF borrowers, and for people a bank has already declined. In a market as competitive as Sydney, where a deadline can decide a deal, that speed and flexibility is often what settles the matter.

“We fund our own loans out of an office in Barangaroo, which sounds like a detail until you are the one waiting on an answer. There is no external credit committee sitting between a Sydney borrower and a decision, and no desktop estimate standing in for a valuer who has actually looked at the asset. In a market where a deadline decides who gets the deal, that is most of what we are really offering.”

Gino Tabila

Associate Director

Where We Lend Across Sydney

From Barangaroo we fund clients right across the Sydney metro and wider New South Wales, from the CBD and the Eastern Suburbs to the North Shore, the Inner West, Parramatta, and the Western Sydney corridor. Wherever your business trades or your security sits, we can move quickly.