Private Mortgage Lender in Western Sydney

Out in Western Sydney a purchase usually turns on a date, not a rate. A vendor wants the warehouse settled, a block in the airport corridor has a contract clock running, the shed your family has leased for years finally comes up for sale. Secured Lending writes first and second mortgages to fund those buys, from $250,000 to $10 million, drawn from our own capital so a clean file can settle in 24 hours. We are a non-bank lender run from Barangaroo, and we lend for business and investment only, never an owner-occupied home loan or consumer credit.

Buying property the airport and Moorebank are reshaping

The Western Sydney International Airport at Badgerys Creek, the Aerotropolis taking shape around it, and the Moorebank intermodal terminal have pulled a wave of demand into industrial, warehouse, and logistics property. Owners are buying the sheds and yards at Wetherill Park, Smithfield, Eastern Creek, Erskine Park, and Prestons, while developers chase land across the Blacktown, Penrith, Liverpool, and Campbelltown corridor and new commercial sites along Parramatta Road. The deals move quickly, and a bank credit committee rarely keeps pace. A first or second mortgage from our own funds lets a buyer act on the contract in front of them.

Where a bank stalls on a Western Sydney purchase

Many of the buyers out here are family firms and investors whose income arrives in lumps, runs through a trust or company, or is tied up in the very assets they are trying to buy against. A bank serviceability model reads that as risk and either declines or drifts past the settlement date. We weigh the deal the other way around: the property being bought or offered as security, and a credible plan to repay, decide it. That is why a buyer a bank cannot model is often a quick yes for us.

• •First and second mortgages from $250,000 to $10 million, clean purchases funded inside 24 hours
• •Weighed on the property and a believable way out, not a serviceability formula
• •Built for the trust, company, and SMSF buyers banks are slow to approve
• •Decided in-house, with no credit committee standing between your offer and settlement
• •Interest from 9.7% p.a., with terms set anywhere from 1 to 24 months
• •For business and investment purchases only, never a personal home loan

Settling a purchase on a first mortgage

When we hold the primary registered charge we are in first position, which earns the sharpest pricing: rates from 9.7% p.a. and LVR up to 75% on a strong asset, over terms of one to twenty-four months. A first mortgage is the natural fit for a clean industrial or commercial buy at Eastern Creek or Liverpool, a development site acquisition, or a refinance that frees the next purchase. The term is structured around the date your exit lands, whether that is a sale, a bank takeout, or incoming funds.

Funding the next deposit with a second mortgage

A second mortgage ranks behind the bank loan you already carry, so you can draw equity out of a warehouse or commercial premises without refinancing or touching that first facility. Borrowing across both positions is generally kept within 75% of value. For a Western Sydney owner it is the tool that funds a deposit on the next site, bridges a gap before a progress claim or settlement lands, or covers a time-critical buy while the equity is plainly there in property you already hold.

Commercial and investment purchases across the corridor

A large share of our Western Sydney book funds purchases outright: an owner-occupied premises, a tenanted investment shed, a strata suite, or a development block. Because the capital is ours and the valuation is done in-house, we can move on a commercial buy in 24 to 48 hours with no committee weighing in between offer and keys. That speed suits the Pty Ltd companies, trusts, and SMSFs most investors buy through, and it lets a family business finally own the yard it has operated from for years.

What carries the most weight in a buy

Five things tell us whether a purchase works, and the exit outweighs the rest by a distance. A mortgage is only as sound as the way it gets cleared, so we want that route mapped in plain terms before we look at anything else.

• •The exit: a dated, evidenced path to repay, by sale, a bank refinance, or incoming funds. Nothing else comes close
• •The security and the draw against it: current value and an LVR usually up to 70%, reaching 75% on a strong first mortgage
• •The purpose: a genuine business or investment buy, refinance, or equity release
• •Title and ranking: clean title, and whether we register a first or a second mortgage
• •The wider read: the surrounding facts that make the exit credible

Property we will hold as security

The funds are for the purchase or the investment; the property is what backs them. Our own valuers price each asset against live Western Sydney evidence, which is quicker and more reliable than an outsourced desktop figure.

• •Warehouse, logistics, and industrial sheds at Wetherill Park, Smithfield, Eastern Creek, Erskine Park, and Prestons
• •Commercial premises: offices, showrooms, and strata suites through Parramatta, Liverpool, and the regional centres
• •Vacant land and development sites in the Aerotropolis corridor near Badgerys Creek, with or without a development approval
• •Residential security, an investment unit or a held dwelling, across Blacktown, Penrith, Liverpool, and Campbelltown
• •A purchase or holding bought through a company, a trust, or an SMSF
• •Property already carrying a bank facility, drawn against as a second mortgage

“Out here a purchase lives or dies on the settlement date. A buyer chasing a logistics shed near the airport, a developer with a block to settle in the corridor, a family taking over the yard they have leased for a decade. They have real property and a date the bank will miss. Bring me the security and a clear way out, and I will have an answer for you that same day.”

Gino Tabila

Associate Director

Where we fund purchases across Western Sydney

From our Barangaroo office we write first and second mortgages the length of Western Sydney: the regional centres at Parramatta, Blacktown, Penrith, Liverpool, and Campbelltown, the industrial and logistics estates at Wetherill Park, Smithfield, Eastern Creek, Erskine Park, and Prestons, the Moorebank intermodal terminal, and the land pipeline around the new airport at Badgerys Creek. We back buyers in industrial and logistics, manufacturing, construction and trades, land development, and the family businesses purchasing the premises behind them. If the property you are buying or borrowing against sits in Western Sydney, we can move on it quickly.