Private Mortgage Lender in Parramatta

Parramatta now trades as Sydney's second CBD, and the property deals that come with that title rarely wait for a bank to make up its mind. An office floor opens at Parramatta Square, a consulting suite comes up near the Westmead health precinct, a Camellia industrial site lists ahead of the Metro West uplift, or an investor needs to settle before a competing buyer moves. Secured Lending funds those purchases. We are a non-bank lender working from Barangaroo, writing first and second mortgages from $250,000 to $10 million against property across the western corridor, with a clean deal settled inside 24 hours. We lend for business and investment purposes only, never an owner-occupied home or consumer credit.

Where a bank serviceability model and a Parramatta deal part ways

The growth driving the second CBD, the Parramatta Square office towers, the Westmead research and university campuses, the light-industrial holdings at Granville and Rydalmere, runs on income and structures a bank flattens into a single serviceability figure. Buyers acquiring through a company, a trust, or an SMSF, or moving against a settlement date, regularly find the credit committee too slow or too rigid. We read it the other way around: the property you are buying or pledging, and a credible plan to repay, decide the loan. That means a quicker answer, fewer conditions, and a mortgage registered when the purchase actually turns on it.

• •First and second mortgages from $250,000 to $10 million, clean deals settled within 24 hours
• •Assessed on security strength and a believable exit, not a serviceability calculator or years of financials
• •Comfortable lending to companies, trusts, and SMSFs, the structures most investors buy through
• •Decided in-house, with no external credit committee between your offer and settlement
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •Business and investment purposes only, never a personal home loan

Buying in first position with a first mortgage

When we hold the primary registered charge over the property, we sit in the first mortgage position, and that earns our sharpest pricing: rates from 9.7% p.a. and LVRs up to 75% on a strong asset. Parramatta buyers use a first mortgage to settle a commercial or investment purchase against a hard date, to refinance a facility that no longer fits, or to draw funding against an unencumbered building. Terms run from one to twenty-four months, shaped around when your exit lands.

Releasing equity behind an existing loan with a second mortgage

A second mortgage ranks behind the bank loan already registered on your property, so you can pull equity out without refinancing or paying out that first facility. Combined borrowing across both positions is generally held within 75% of value. For Parramatta owners it is the tool of choice when the equity is plainly there and a deposit on the next acquisition, a bridge between settlements, or a short-term funding gap needs covering before the bank can act.

Funding commercial and investment buys across the second CBD

A large share of our lending in the area funds purchases: an owner-occupied office at Parramatta Square, a tenanted investment near Westmead, a mixed-use holding at Granville, or an industrial site at Camellia bought ahead of the Metro West uplift. Private capital and an in-house valuation team let us settle a commercial buy in as little as 24 to 48 hours, with no committee weighing in between offer and keys. We lend to Pty Ltd companies, trusts, and SMSFs, the very structures investors buy through and the ones a bank is slowest to approve.

What actually decides the loan

Four things tell us whether a purchase works, and the exit carries far more weight than the rest. A mortgage is only as sound as the plan to clear it, so we want that plan first, in plain terms, before we look at anything else.

• •The exit: a dated, evidenced path to repay, whether by sale, refinance to a bank, or incoming funds. Nothing counts for more
• •The security and the loan against it: current market value and an LVR up to 70%, lifting to 75% on a strong first mortgage
• •The purpose and your position: a genuine business or investment reason, and the surrounding facts that make the exit believable
• •Title and ranking: clean title, and whether we register a first or second mortgage

The property we will register a mortgage over

The mortgage backs your purchase or your investment; the property is simply what stands behind it. Our own valuers price each asset against current local evidence, faster and sharper than waiting on an outsourced desktop figure. We take a broad range of security through Parramatta and the western corridor.

• •Offices, retail, and strata suites through the Parramatta CBD, Parramatta Square, and the Westmead precinct
• •Light-industrial, warehouse, and mixed-use assets at Camellia, Granville, and Rydalmere
• •Investment property held for rental return or capital growth across the western corridor
• •Residential dwellings and units bought as investments, from Harris Park outward
• •Vacant land and development sites, DA approved or not
• •Property where a bank loan already sits ahead of us, funded as a second mortgage
• •Assets held in a company, trust, or SMSF

“Parramatta buyers are competing for commercial and investment property against the clock, and the bank calendar is the thing that loses them deals. They are not chasing the last point on a rate; they need certainty their purchase will settle. Show us a sound property and a clear way out, and the offer you put forward is backed by speed.”

Gino Tabila

Associate Director

Where we settle mortgages across Parramatta and the west

Parramatta sits at the centre of the western corridor we fund most actively, a short trip down the line from our Barangaroo base. We register first and second mortgages through the Parramatta CBD and Parramatta Square, the Westmead health and university precinct, Harris Park, and the light-industrial belt at Camellia, Granville, and Rydalmere, then out toward Blacktown and Penrith. If the property you are buying or the security you offer sits in Parramatta, the western corridor, or anywhere in New South Wales, we can usually move on it quickly.