Private Mortgage Lender in Sydney

Sydney holds the deepest and most liquid property market in the country, and a purchase here often turns on whether the money is there on the settlement date. Secured Lending writes first and second mortgages against that property from our own balance sheet in Barangaroo, for business and investment buyers only, never personal home loans. Facilities run from $250,000 to $10 million, secured on residential, commercial, and industrial real estate across Greater Sydney, and a clean deal can settle within 24 hours.

Settling a Sydney Property Purchase When the Clock Is Running

A large part of our Sydney book funds the buy itself, a commercial premises, a tenanted investment, an industrial holding, or a site under contract. Investors and businesses here tend to purchase through a company, a trust, or an SMSF, and those are exactly the structures a bank is slowest to clear. Because we lend our own capital and instruct our own valuers, we can issue a letter of offer and move to settlement in a window a bank credit committee cannot match, which is the whole point when a vendor will not extend.

Releasing Equity Behind an Existing Loan

Sydney's high values mean a property carrying a bank loan often still holds substantial equity above it, and a second mortgage lets you draw on that without refinancing or paying out the first facility. We rank behind the existing loan, with combined borrowing generally held to 75% of value. It is the tool that fits when the equity is plainly there and the timing is tight, funding a deposit on the next purchase, a working-capital gap, a short bridge, or a deal that will not wait for a bank to act.

Holding the First Mortgage on a Sydney Asset

Where we register ahead of every other lender we hold the first mortgage and the primary claim on the security, which earns the sharpest pricing: rates from 9.7% p.a. and borrowing up to 75% of value on a strong asset. Sydney buyers reach for a first mortgage to settle a purchase against a fixed date, to refinance a facility that no longer suits, or to draw working capital against an unencumbered building. Terms sit anywhere from one to twenty-four months, shaped around the point at which your exit lands.

When a Private Mortgage Beats Waiting on the Bank

Serviceability tests built around smoothed annual income rarely describe how a Sydney business or investor really earns, and a settlement deadline or an equity release will not pause while a committee deliberates. We weigh the property offered and the plan to repay it instead. The outcome is a quicker answer, lighter conditions, and a registered first or second mortgage in place at the moment it counts, often where a bank has gone quiet on a deal that stacks up.

• •First and second mortgages from $250,000 to $10 million, with clean files settled inside 24 hours
• •Weighed on the security and a believable exit, not a serviceability calculator or a stack of past financials
• •Comfortable with company, trust, and SMSF borrowers buying across Greater Sydney
• •Signed off in-house, so no external credit committee sits between your offer and settlement
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •Purely for business and investment use, never a personal home loan

What Actually Decides the Deal

The assessment is led by the security, and the exit carries far more weight than anything else. A mortgage is only as sound as the plan to clear it, so we want that plan first, set out plainly, and then build the rest of the read around it.

• •The exit: a dated, evidenced route to repay, by sale, refinance to a bank, or incoming funds, and it outranks every other factor
• •The security and the loan against it: current market value, with borrowing usually to around 70% and up to 75% on strong first mortgage security
• •The purpose: a genuine business or investment reason for the funds
• •Title and ranking: clean title, and whether we hold the first or the second mortgage
• •The wider picture: the surrounding facts that make the exit credible

Sydney Property We Take as Security

The funds back your business or your investment; the property is what underwrites them. We work with a broad range of Sydney security, each asset priced by our own valuers against live market comparables.

• •Houses, apartments, and held dwellings across the metropolitan area
• •Offices, retail, and strata suites through the CBD and the suburban centres
• •Warehouses and industrial stock across Western Sydney and the inner ring
• •Investment property held for rental return or capital growth
• •Vacant land and development sites, DA approved or not
• •Title held inside a company, trust, or self-managed super fund
• •A property already carrying a bank loan, taken behind it as a second mortgage

“In a market this liquid the deal is usually won or lost on the settlement date, not the rate sheet. The buyers who call us hold a sound asset and a hard deadline, and a bank that cannot move in time. Show us strong security and a clear way out, and we will give you a decision today.”

Gino Tabila

Associate Director

Where We Write Mortgages Across the Sydney Metro

From Barangaroo we register first and second mortgages right across the metropolitan area, the CBD and the Eastern Suburbs, the Lower and Upper North Shore, the Northern Beaches, the Inner West, Parramatta, and the western growth corridor through to Penrith, along with the Sutherland Shire to the south. Wherever in New South Wales the property you are buying or borrowing against sits, we can usually act on it quickly.