Private Mortgage Lender in the Inner West

Inner West property changes hands fast, and the purchase often turns on who can settle. Secured Lending funds first and second mortgages on Inner West real estate from our own capital, $250,000 to $10 million, with clean deals settling in 24 hours. We back the businesses and investors buying converted warehouses around Marrickville and St Peters, retail and mixed-use freehold in Newtown and Balmain, and equity-release deals on property already held. We lend for business and investment purposes only, never a personal home loan or any consumer credit.

Funding a property purchase across the Inner West

Most of our work here puts capital behind an acquisition: a food-production or brewery premises in Marrickville, a light-industrial unit on the Alexandria edge, a Newtown or Enmore shopfront, an Ashfield retail freehold, or an investment block bought to hold. We issue a letter of offer quickly and send our own valuers out, so the offer you table is backed by funding certainty a bank cannot match on a tight WestConnex-era market. Buyers purchasing through a Pty Ltd company, a trust, or an SMSF, which is how most Inner West investors hold an asset, are routine for us, not the exception that stalls a bank file.

Buying with a first mortgage

Where we take the primary registered charge over the property you are acquiring, the deal prices sharpest: rates from 9.7% p.a., LVR up to 75% on a strong Inner West asset, and terms from one to twenty-four months. A first mortgage suits an outright purchase or a full refinance, a Balmain mixed-use building, a converted Camperdown warehouse, or a Newtown freehold, where you hold clean first-ranking security and want the settlement done on time.

Pulling the deposit from equity with a second mortgage

When the equity is sitting in a property you already own and you would rather not disturb the bank loan against it, a second mortgage pulls that equity out and puts it toward the next purchase. It ranks behind your existing facility, leaves that loan untouched, and is held within a combined 75% of value. Inner West owners use it to fund a deposit, cover a settlement shortfall, or bridge to the sale of another asset before the timing closes on a deal in Enmore, Ashfield, or the Alexandria fringe.

Where a bank purchase stalls and we move

A bank runs the buyer through a serviceability model and the building through an outsourced valuation, and on a converted warehouse or a small-scale development that process drags. The operators and investors reshaping Marrickville, St Peters, and Newtown rarely fit the template, and Sydney Metro and Bays West uplift has only sharpened the competition for stock. We decide in-house on the security and the exit, so a buyer a bank cannot model is often a same-day yes for us.

• •Purchase mortgages from $250,000 to $10 million, with a clean buy funded inside 24 hours
• •Weighed on the asset and a credible exit, not a serviceability score or years of tidy books
• •At ease lending to the companies, trusts, and SMSFs Inner West investors buy through
• •Settled in-house, with no external credit committee parked between your offer and the keys
• •Pricing from 9.7% p.a. on terms running 1 to 24 months
• •Business and investment property only, never an owner-occupied home loan

The questions that decide a purchase

Our read is security-led and turns on one thing above all: the exit. A mortgage is only as sound as the plan to clear it, so before anything else we want to see how and when the facility gets repaid.

• •The exit: a dated, evidenced way to repay, by onward sale, a refinance to a bank, or known incoming funds. This outweighs everything
• •The asset and LVR: current market value of the property and the loan against it, generally up to 70%, reaching 75% on strong first mortgage security
• •The purpose: a genuine business or investment use, here almost always a purchase or an equity release tied to one
• •Title and ranking: a clean title, and whether the mortgage sits first or second
• •The surrounding context: the facts around the buy that make the exit hold up

Inner West property we will secure against

The mortgage funds the purchase or the investment; the property is what backs it. Our own valuers price each asset against live Inner West evidence, which is faster and sharper than waiting on a desktop estimate, and it matters where converted and light-industrial stock trades unevenly.

• •Converted warehouses, brewery, and food-production premises around Marrickville, St Peters, Camperdown, and the Alexandria edge
• •Retail and mixed-use freehold along the Newtown, Enmore, Balmain, and Ashfield high streets
• •Investment property bought to hold for rental income or capital growth
• •Residential terraces and homes through Balmain, Annandale, and Ashfield
• •Renovation and small-scale development sites, with or without DA approval
• •Property that still carries its bank loan, taken behind it as a second mortgage
• •Assets bought and held in a company, a trust, or a self-managed super fund

“In the Inner West the deal is usually won at settlement, not on the rate. A buyer chasing a converted warehouse or a Newtown freehold is up against others who can move, and a bank stuck in valuation queues hands the property to someone else. Bring us the asset and a clear way out, and we will fund the purchase while the bank is still booking an inspection.”

Gino Tabila

Associate Director

Inner West suburbs where we fund purchases

We write first and second mortgages on purchases right across the Inner West, from the warehouse and food-production pockets of Marrickville, St Peters, and Camperdown, through the retail and mixed-use strips of Newtown, Enmore, and Balmain, out to Ashfield and the small-development sites the WestConnex, Bays West, and Sydney Metro uplift has put in play. If the property you are buying or releasing equity from sits in the Inner West or anywhere in Australia, we can move on it quickly.