Private Lending in North Shore Sydney

The North Shore is a premium market: prestige homes, blue-chip apartments, and strong commercial hubs from North Sydney to Chatswood. Deals move quickly. Bank timelines and rigid criteria can cost you opportunities. Private lending is the fast, flexible alternative.

​​

Innovate Funding – Competitive Rates & Fast Approvals

We pair speed with sharp pricing:

• First mortgages from 8.75% p.a.

• Second mortgages typically 1–2% per month

• Transparent fees and terms tailored to your exit strategy

Our deep capital network and local knowledge often mean better pricing or higher usable LVRs than boutique lenders—without the wait.

Get a North Shore rate quote »

​

Why Private Lending Works on the North Shore

• Prestige values = usable equity: Mosman, Kirribilli, Wahroonga and surrounds support meaningful equity releases.

• Tight settlement windows: Competition is fierce; speed protects your price and position.

• Boutique projects: Duplexes, knock-down rebuilds, and small townhouse sites often need funding before bank construction loans are available.

​

Our Lending Options

• First Mortgages – Up to 65% LVR for purchases, construction starts, or refinancing.

• Second Mortgages & Top-Ups – Access extra capital behind your bank (often ~75% combined LVR).

• Bridging Loans – Buy before you sell; ideal for prestige upgrades in Mosman, Kirribilli, or Wahroonga.

• Subdivision & Development Finance – DA lodgements, early works, small townhouse/duplex builds, residual stock.

​

Loan Sizes, LVRs & Terms

• Amounts: $100,000 – $20M+

• Security: Residential, prestige, commercial, and development assets

• LVR: Up to 65% first mortgage; ~75% combined with a second

• Rates: From 8.75% p.a. (first); 1–2% per month (second)

• Terms: Typically 3–18 months, with flexible/early exits

​

North Shore Case Studies

• Mosman Prestige Upgrade (Bridging): Client needed rapid funds to secure a waterfront home while their existing property was staged for sale. We settled a $800k bridging loan at 60% LVR with interest capitalised—property sold 10 weeks later, loan repaid.

• Chatswood Commercial Strata (First Mortgage): Investor acquired an office/retail strata with a $2.4M first mortgage. Fast settlement captured a discounted price.

• Gordon Duplex Completion (Second Mortgage): Builder required $1.1M top-up to finish a duplex and meet marketing timelines. Our second mortgage bridged to bank refi post-completion.

​

Areas we do private lending deals in:

• North Sydney

• Kirribilli

• Neutral Bay

• Cremorne

• Mosman

• Crows Nest

• St Leonards

• Wollstonecraft

• Waverton

• Artarmon

• Lane Cove

• Chatswood

• Roseville

• Lindfield

• Killara

• Gordon

• Pymble

• Turramurra

• Warrawee

• Wahroonga and surrounds.

​

FAQs – Private Lending North Shore

Do you lend pre-DA or pre-construction?
Yes—if equity and exit are clear, we fund at DA or early works stage.

Can you sit behind my major bank loan?
Absolutely. Second mortgages and equity top-ups are common on the North Shore.

Can interest be capitalised?
Often yes—useful for bridging or build phases without cashflow.

What security do you accept?
Houses, apartments, prestige homes, duplex sites, small dev sites, and select commercial.

How fast can you settle?
Approvals often within 24 hours; settlements 48–72 hours when docs are ready.

Consumer lending?
No—business or investment purposes only.