Private Lending Newcastle

Quick, Flexible Finance for the Hunter Region’s Property Market

Newcastle has transformed into one of Australia’s fastest-growing regional cities, with harbour precinct developments, lifestyle apartments, industrial hubs and strong suburban demand. When opportunities arise, waiting weeks for a bank isn’t always practical.

​

Innovate Funding offers tailored private loans throughout Newcastle and the Hunter Valley, delivering capital for site acquisitions, renovations, developments and short-term cashflow. Whether you’re subdividing in Lambton, building in Mayfield, or bridging a sale in Merewether, we help you move fast.

​

Why Choose Private Lending in Newcastle?

• Approvals in as little as 24 hours; funding ready within days.

• Flexible criteria: we focus on property and exit strategy, not just credit score.

• Regional growth advantage: Newcastle’s infrastructure, port activity, and residential expansion drive strong asset values.

• Funding banks can’t match: bridging finance, second mortgages, equity release, and DA loans are often outside bank comfort zones.

​

Lending Options Tailored for Newcastle

• First Mortgages: Ideal for acquisitions or refinances, up to 65% LVR.

• Second Mortgages / Top-Ups: Unlock extra capital behind your bank loan, often reaching ~75% combined.

• Bridging Finance: Keep deals moving while you sell or wait for approvals.

• Development & Subdivision Funding: From DA stage to construction, suited for small-lot or townhouse builds.

• Business Loans: Commercial use, secured against residential or industrial property in the Hunter.

​

Typical Loan Sizes & Terms

• Amounts: $50K to $20M+

• Security Types: Residential, mixed-use, industrial, development land

• Rates: Starting around 8.75% p.a. (first) and 1–2% per month (second)

• Terms: 3–12 months, flexible exits

​

Example Scenarios

• Hamilton Renovation: $300K equity release to add a granny flat to the property.

• Mayfield Development: $1.4M second mortgage to fund DA and civil works.

• Merewether Bridging: $2M to secure a coastal property while awaiting sale of another asset.

​

Areas We Cover

• Newcastle CBD, The Hill, Wickham, Carrington

• Merewether, Bar Beach, Hamilton, Islington

• Mayfield, Waratah, Lambton, New Lambton

• Broadmeadow, Adamstown, Kotara, Charlestown

• Hunter Valley projects considered case-by-case

​

FAQs – Private Lending Newcastle

How much can I borrow against my property in Newcastle?​

Loan amounts depend on the value of the security property. Innovate Funding generally lends up to around 65% LVR for a first mortgage, including fees and charges.

​

Can you help if I’ve been declined by a bank?
Absolutely. We look at the property and exit strategy, not just serviceability.

​

How fast is your process?
Most approvals are within 24 hours, settlements usually within 2–3 business days.

​

What property types do you accept?
Houses, apartments, commercial, industrial and development land.

​

What LVR can I expect?
Generally up to 65% first mortgage and around 75% combined using a second.

​

Do you do consumer lending?
No. We fund business and investment only.

​

Why Work with Innovate Funding?

• Strong knowledge of regional markets like Newcastle

• Fast turnaround and practical solutions brokers and investors trust

• Transparent pricing, flexible structuring, and strong referral network

​