Private Lending Newcastle

Quick, Flexible Finance for Newcastle & the Hunter Region Property Market

Newcastle and the Hunter Region continue to attract strong investment across residential, commercial, and mixed-use property. From Hamilton, Wickham and Carrington through to Merewether, Mayfield and the broader Hunter Valley, property opportunities often move quickly and traditional bank finance can struggle to keep pace.

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Innovate Funding provides private lending solutions in Newcastle for investors, developers, and business owners who need speed, flexibility, and certainty of settlement. Our private loans are asset-backed and structured around the property and exit strategy, not rigid bank credit policy.

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Business-purpose and investment-purpose lending only (not consumer lending).

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Why Private Lending Works in Newcastle

• Fast approvals – Indicative terms often issued within 24 hours

• Flexible criteria – Decisions based on property value and exit strategy

• Local market understanding – Newcastle zoning, mixed-use assets, and development activity

• Funding banks won’t provide – Second mortgages, bridging finance, equity release, and DA-stage funding

• Strong regional fundamentals – Infrastructure investment, port activity, and population growth support asset values

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Private lending allows borrowers to move decisively when timing matters.

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Private Lending Solutions Available in Newcastle

• First Mortgage Private Lending: Ideal for acquisitions or refinances where speed and certainty are critical.

• Second Mortgages & Equity Release: Unlock equity behind an existing bank loan, with combined LVRs typically up to around 75% on strong assets.

• Bridging Finance: Secure a property while awaiting sale, refinance, or DA approval.

• Development & Subdivision Funding: Short-term capital from DA stage through to construction, suitable for small lot subdivisions and townhouse projects.

• Business Loans (Property-Secured): Funding for commercial purposes secured against residential, commercial, or industrial property in the Hunter.

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Newcastle Private Lending Parameters

• Loan amounts: $50,000 to $20 million

• Security types: Residential, commercial, mixed-use, industrial, development land

• Rates:

  • From ~8.75% p.a. for first mortgages

  • From ~1–2% per month for second mortgages

• Loan terms: Typically 3–12 months, with flexible exit options

All facilities are structured for business or investment purposes only.

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Private Lending Deals in Newcastle

• Hamilton Renovation: $600,000 equity release funded to complete renovations prior to refinance.

• Mayfield Development: $1.4M second mortgage provided to fund DA and civil works for a Newcastle site.

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

These scenarios demonstrate how asset-based private lending supports Newcastle projects when banks slow or decline funding.

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Areas We Cover: Newcastle & Hunter Region Areas We Fund

We regularly provide private lending across:

• Newcastle CBD, The Hill, Wickham, Carrington

• Hamilton, Merewether, Bar Beach, Islington

• Mayfield, Waratah, Lambton, New Lambton

• Broadmeadow, Adamstown, Kotara, Charlestown

• Hunter Valley projects considered case-by-case

Each area presents unique planning, zoning, and valuation considerations.

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FAQs – Private Lending Newcastle

How much can I borrow against my property in Newcastle?
Loan amounts depend on the security property, structure, and exit strategy. First mortgages are typically structured up to around 65% LVR.

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Can you help if a bank has declined my loan?
Yes. We assess the property and exit strategy rather than relying solely on serviceability.

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How fast is the process?
Indicative approvals are often provided within 24 hours, with settlements commonly achieved within a few business days once conditions are met.

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What property types do you accept?
Residential, commercial, industrial, mixed-use properties and development land.

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Do you offer consumer loans?
No. All lending is for business and investment purposes only.

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Why Newcastle Borrowers Work With Innovate Funding

• Strong understanding of Newcastle and regional property markets

• Fast turnaround and practical solutions

• Transparent pricing and flexible loan structures

• Trusted by brokers, investors, and business owners

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