Private Lending in Sydney’s Inner West

Sydney’s Inner West is a vibrant mix of heritage terraces, converted warehouses, boutique apartments, and fast-growing commercial hubs. Properties move quickly, and opportunities often come with tight deadlines. For investors, developers, and business owners, traditional banks can’t always keep pace. Lengthy approvals, rigid lending criteria, and conservative valuations can mean missed settlements and lost profits.

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Private lending is the answer. At Innovate Funding, we specialise in fast, flexible finance solutions that help Inner West borrowers take advantage of opportunities. Whether you need funds to secure a property, finish a project, or release equity, our first mortgages, second mortgages, bridging loans, and development finance are designed to deliver capital quickly – with competitive pricing and straightforward terms.

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Why Inner West Borrowers Choose Innovate Funding

1. Speed: Approvals in as little as 24 hours, settlements in 48–72 hours.

2. Flexibility: Loans tailored around your asset and exit strategy, not rigid credit scores.

3. Competitive Rates: We combine private capital with industry knowledge to keep rates sharp:

   • First mortgages from 8.75% p.a.

   • Second mortgages from 1–2% per month

4. Local Expertise: We understand Inner West zoning, property types, and market dynamics.

Our team focuses on asset value and strategy, not bureaucracy. That’s why so many brokers, investors, and small businesses trust Innovate Funding to deliver.

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Our Lending Services in the Inner West

• First Mortgages: Secure finance up to 65% LVR to purchase sites, refinance, or fund construction.

• Second Mortgages & Equity Releases: Tap into additional equity behind your bank loan; often up to ~75% combined LVR.

• Bridging Loans: Purchase before you sell or meet short settlement dates without stress.

• Subdivision & Development Funding: Short-term capital for DA approvals, conversions, boutique developments, and site preparation.

Loan Terms and Flexibility:

• Loan sizes: $50,000 – $20 million+

• Security accepted: Residential, commercial, mixed-use, and development properties

• Rates: Competitive and transparent, tailored to your deal

• Terms: Typically 3–12 months, with early exit options available

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Example Inner West Lending Scenarios

• Marrickville Warehouse Conversion: Client needed $900,000 to fund DA and strata subdivision works. Innovate Funding delivered a second mortgage, unlocking equity the bank would not release.

• Newtown Mixed-Use Asset: Investor required $1.6 million bridging loan to secure a building before selling another. We settled within three days.

• Balmain Terrace Renovation: Developer accessed $700,000 equity release for renovations. The property’s uplift allowed a quick refinance back to a bank.

These examples show how fast, asset-based lending can keep projects moving and maximise returns.

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Areas we do private lending deals in:

• Annandale

• Leichhardt

• Lilyfield

• Balmain

• Rozelle

• Drummoyne

• Glebe

• Camperdown

• Newtown

• Petersham

• Stanmore

• Marrickville

• Dulwich Hill

• Haberfield

• Ashfield

• Summer Hill

• Tempe

• Enmore and beyond.

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Frequently Asked Questions

Can I get a loan without DA approval?
Yes. If there’s strong equity, we fund at pre-DA or DA stage to keep your project progressing.

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Can you sit behind a bank?
Absolutely. We regularly provide second mortgages and top-ups for Inner West property owners.

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What’s the maximum LVR?
Up to 65% for a first mortgage, around 75% combined with a second mortgage on strong properties.

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What types of property do you lend on?
Houses, terraces, apartments, warehouses, mixed-use, small commercial or development sites.

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How fast can I settle?
Approvals usually within 24 hours, settlements in 48–72 hours.

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Do you do consumer loans?
No. We lend only for business and investment purposes.