Quick answer
We arrange private business loans for Sydney and NSW owners from $20,000 to $5,000,000, secured by residential, commercial or industrial property. NSW titles are registered with NSW Land Registry Services and all settlements are electronic. Sydney's high property values mean many owners have substantial equity, which suits second mortgages and caveat loans well.
Key points
- High property values, often deep equity
- NSW Land Registry Services, fully electronic
- Homes, units, warehouses and commercial
- Handled remotely from our Brisbane desk
- Coverage
- Sydney and regional NSW
- Titles office
- NSW Land Registry Services
- Loan size
- $20,000 to $5,000,000
- Enquiry
- No credit check to enquire
Sydney has the country’s most valuable property market, which means many business owners are sitting on significant equity even with a sizeable home loan. That equity is exactly what private lenders lend against. Our desk is in Brisbane, but the lenders we work with fund property right across New South Wales.
Sydney property as security
| Property | Typical lender view |
|---|---|
| Houses across established suburbs | Widely accepted, often with large equity |
| Townhouses and villas | Widely accepted |
| Apartments in mid-sized buildings | Accepted with body corporate checks |
| Apartments in large towers or with defect history | Assessed building by building |
| Industrial units in the west and south | Strong demand and sales evidence |
| Commercial offices and shops | Accepted, with attention to tenancy |
Building defects have been a prominent issue in parts of the Sydney apartment market. Lenders and valuers are well aware of it and will ask about any defect claims or rectification works. A well-maintained building with a healthy sinking fund is generally fine. Our strata units page covers the details.
How NSW titles work
New South Wales land is registered with NSW Land Registry Services. All dealings, including mortgages and caveats, are lodged electronically. A caveat records a lender’s interest quickly, and a registered mortgage provides formal security. The legal steps are similar to Queensland but use NSW forms and legislation, which the lender’s solicitor handles.
High equity, careful structure
Because Sydney homes are so valuable, a modest-looking combined LVR can still represent a large loan. Owners sometimes find they can borrow a substantial amount behind their existing bank loan with a second mortgage, without touching other assets. Equally, because the dollar amounts are bigger, the cost of getting the exit wrong is bigger. Plan the repayment carefully.
What Sydney owners borrow for
- clearing ATO debts before they escalate to garnishee or director penalty notices
- buying industrial or commercial premises before a bank can approve
- construction and trade businesses bridging progress payments
- hospitality and retail businesses funding a fit-out or a second site
- importers funding stock ahead of a peak season
- bridging between buying and selling a property
Working with us from interstate
Distance isn’t a barrier. A typical Sydney deal involves a phone call or two with our desk, an online enquiry, electronic ID verification, a valuation by a local Sydney valuer, documents prepared by the lender’s solicitor and signing with your own solicitor. Settlement happens electronically. You never need to visit Brisbane, and most owners never meet anyone in person.
Regional New South Wales
We also arrange loans against property in regional NSW, including Newcastle and the Hunter, the Central Coast, Wollongong and the Illawarra, the Southern Highlands, the Northern Rivers and inland centres like Wagga Wagga, Dubbo, Tamworth and Orange. Larger centres value quickly. Smaller towns and rural property take a little longer and may attract lower limits.
Local costs to factor in
NSW charges land tax on many investment and commercial properties above the threshold, and councils levy rates. Lenders check these are paid, because unpaid amounts can create charges that affect the lender’s security. If they’re overdue, paying them from the loan at settlement is common.
A worked example
A Marrickville coffee roaster needed $350,000 to buy a new roaster and expand into wholesale. The bank was interested but wanted another year of trading at the higher volume. The owner had a terrace in Petersham worth about $2 million with $700,000 owing.
A private lender advanced the full amount on a second mortgage behind the bank, settling in five business days after a local valuation. The combined LVR was comfortably inside the lender’s limit. The term was twelve months, with interest capitalised, and the bank refinanced once the wholesale business had built a track record.
Where we see Sydney deals
- the inner west, including Marrickville, Leichhardt and Ashfield
- the north shore and northern beaches, from Chatswood to Dee Why
- the Hills District and north-west growth areas around Castle Hill and Box Hill
- western Sydney, including Parramatta, Blacktown and Penrith
- the south-west, including Liverpool, Campbelltown and Bankstown
- the industrial belt through Smithfield, Wetherill Park, Botany and Alexandria
- the Sutherland Shire and St George
Industrial property in Sydney
Sydney’s industrial market has been one of the tightest in the country, with low vacancy and strong demand for warehouse and logistics space. That makes industrial units and freehold sheds attractive security, and many owners who bought years ago now hold far more equity than they realise. A current valuation can be the first pleasant surprise of the process.
Start your NSW enquiry
Tell us the property, what’s owed and what you need. There’s no credit check when you first enquire, and your details aren’t shopped around. Accurate answers help us brief the right lender first time. See if you qualify, or read about caveat loans and then get started.
Frequently asked questions
Can a Brisbane-based desk help with a Sydney property?
Yes. Private lending is handled by phone, email and electronic signing, and the lenders we work with fund property nationally. The property's location matters more than ours.
Are NSW caveats different from Queensland ones?
The basic idea is the same, but each state has its own legislation and forms. The lender's solicitor handles the NSW process.
Does land tax affect a NSW loan?
Lenders check that land tax and council rates are paid, since unpaid amounts can affect the title. Overdue amounts can often be cleared from the loan.
Do you lend in regional NSW?
Yes, including Newcastle, Wollongong, the Central Coast and inland centres. Smaller towns may take longer to value.