Private Lender in Western 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 Western Sydney, often settled within 24 hours. Western Sydney runs on freight, trade, and construction, where a deadline belongs to the worksite and the loading dock rather than a credit committee. 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 Western 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 Western Sydney, where developers, builders, and self-employed operators are paid on progress claims and contracts rather than an even monthly wage, that model stalls sound deals. 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 Western Sydney

As a private mortgage lender we write registered first and second mortgages using our own capital, so approvals never wait on an external credit committee. Being a non-bank lender lets us fund purely for business and investment purposes, with loans running from $250,000 to $10 million and settlement often inside 24 hours. Every mortgage is set against the property itself and a clear plan to repay, not a serviceability score.

A private mortgage lender moves at a pace a bank cannot, because the decision turns on the security and the exit rather than a slow committee and a rigid income test. That suits short-term, interest-only structures and it suits the people who need them across Western Sydney, particularly developers, builders, and SMEs waiting on progress claims or contracts, along with borrowers a bank has already declined. Deals here live and die on the worksite, so a lender that reads the asset instead of the payslip is often the difference between settling and stalling.

“Out here the deals turn on the worksite, not the wage slip. A builder waiting on a progress claim, a developer holding a block in the growth corridor, an operator with a truck to fund. They own good property and they have a deadline a bank cannot meet. 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 Across Western Sydney

From our Barangaroo office we fund clients the length of Western Sydney, from Parramatta and Blacktown through Penrith, Liverpool, and the growth corridor beyond. Wherever your business trades or your security sits across the region, we can move quickly.