Private Lender in Western Sydney

Yes, where the total fits inside 70% of the factory property's value. One loan from us repays the bank at settlement, and the rest is paid to your business to cover wages and materials until the builders pay. Send us the default notice, the bank's written payout figure, and the amounts and due dates owed by each builder. If either builder has gone into external administration, tell us, because your plan for repaying us cannot rely on that payment.

• →Working capital loans

Yes. The loan is secured by the depot property the business or its owners hold, never by the trucks, and the funds are paid to the business to spend on fuel, wages or repairs. We agree the repayment plan before settlement, so tell us when the customer payments are due and we set the term to end after them.

• →Working capital loans

It can. On a $3 million purchase we lend up to $2.1 million against the factory, which is 70% of the lower of our valuation and the price. With your $400,000, that leaves about $500,000 plus stamp duty and purchase costs to find, and your home can secure that part as additional security, provided total borrowing stays within 70% of the combined value of both properties. The business is the borrower and your home is security for its loan. Send us the contract, the home address and any mortgage statement.

• →Industrial property purchase loans

No. A tax debt listing on its own is not a reason we decline. We assess the factory property, the equity inside our 70% loan-to-value ratio and how the loan will be repaid. In Bankstown, a $1.3 million second mortgage over two industrial properties paid out an ATO debt so the owner's planned bank refinance could go ahead.

• →$1.3 million second mortgage in Bankstown

Yes, if the business is registered for goods and services tax and buys the warehouse for use in its business. The business can usually claim the tax back as a credit on its next BAS, and we set a short term with time to spare, because the ATO may review a large refund before paying it. The loan can be secured by the warehouse or another property you own. Your accountant should confirm the tax treatment of the purchase and when to lodge.

• →Funding the goods and services tax on a commercial purchase

Yes, if the loan is at least $250,000, our minimum. A strata industrial unit is real property, and with no loan on it we take a first mortgage. If our valuer puts the unit at $800,000, the most we lend is $560,000, which is 70% of that value. If you need more, both units can secure the one loan. First mortgage rates start from 9.7% p.a.

• →First mortgage finance

About $900,000. A second mortgage is limited to 70% of the value across both loans: 70% of $4 million is $2.8 million, and less the $1.9 million owed to the bank that leaves $900,000. Your bank loan stays in place on its current terms. Second mortgage rates start from 11.95% p.a., and the figure depends on our own valuation of the warehouse.

• →Second mortgage finance

Our valuer starts again. We have our own in-house valuation team and do not rely on the bank's report, so the factory is valued by inspection or by desktop valuation for our loan. The most we lend is 70% of our valuation. Send us the address, the amount you need and the bank's report if you have it, and we aim to give you an indicative offer the same day.

It does not change the limit. Our maximum is 70% of our valuation whether the property is residential, commercial or industrial, so a shop with apartments above it is valued as one property and the same 70% applies. Our valuer values the whole building, the shop and the apartments together. Tell us about any existing mortgage so we can work out whether the loan is a first or a second mortgage.

Yes. Both can secure the one loan, as long as total borrowing stays within 70% of their combined value after any existing mortgages. Vacant land is real property, and our valuer values each property separately. The company is the borrower and receives the funds. You provide the block as security for the company's loan, so have your solicitor explain what that means for you before you sign.

It can. A liquidator can recover a payment as an unfair preference if the company was insolvent when it paid, which is why the accountant should confirm the company is solvent before it borrows to pay the ATO. If the accountant confirms the company can pay its debts, the loan funds are paid to the company, which then pays the ATO in full.

• →ATO tax debt loans

Yes. For Western Sydney employers we provide property-secured funding to meet super within the 7 business day payday deadline, or to pay out a Superannuation Guarantee Charge that has already been assessed, before it attracts a director penalty notice. This is our payday super finance.

Rates start from 9.7% p.a. and are priced to the term, the security, and the risk of the individual deal. Every cost, including any establishment fee, is set out in the letter of offer before you commit, with nothing hidden.

No. We lend for business purposes only, to companies, not to individuals, and never for personal home loans or consumer credit. The loan must be for a genuine business purpose and secured by property.

Often, yes. A good share of our Western Sydney borrowers come to us after a bank has gone quiet or said no, usually because their income is lumpy, self-employed, or held through a company or trust. We assess the property you can offer as security and your plan to repay, not a serviceability score, and on a clean file we can fund within 24 hours.

Yes. Developers and builders make up a large part of our Western Sydney book. We regularly fund site purchases, works already under way, and shortfalls at settlement, and we can cover wages and materials while a progress claim is outstanding. We take the property as security rather than testing your income line by line.

Yes. We take vacant land and part-built development sites across the Western Sydney growth corridor as security, assessed on their own merits. Our own valuers inspect and price the site against current evidence, which is what lets us move quickly. Loans start from $250,000, with larger loans assessed case by case, over 1 to 24 months.

We lend up to 70% of value on most residential and commercial security across Western Sydney. Loans start from $250,000, with larger loans assessed case by case, over 1 to 24 months. Vacant land, development sites, and second mortgages are assessed on their own merits.

Yes. We are a private mortgage lender writing first and second registered mortgages over property across Western Sydney, for business purposes only. Loans start from $250,000 and can settle within 24 hours on a clean file.

Yes. Western Sydney is one part of a wider book. Our main Sydney guide covers the whole metro, our Private Lender Australia overview maps our national reach, and we keep a dedicated Parramatta guide for the regional centre.

Yes, and the earlier the better. Refinancing while the arrears are still with your existing lender is far cheaper and faster than doing it after a default notice or a possession application. We clear the arrears at settlement out of the facility. The test remains the equity in the Western Sydney property inside 70% LVR, and a documented exit.

Yes. We have pages for land purchases, development sites and land waiting on a rezoning or DA, each explaining how we value the site.

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