Private Lending in Sydney

Fast, Flexible Finance for Sydney Property Owners, Investors & Developers

Sydney is Australia’s largest property market, with prestige homes, high-rise apartments, commercial hubs and fast-moving development sites. Opportunities rarely wait and traditional bank timelines often move too slowly. ​That’s where Innovate Funding steps in. We provide fast, asset-backed private loans across Sydney, including first mortgages, second mortgages, bridging finance, equity release and development funding.

 

Whether you’re an investor in the Inner West, a developer in Western Sydney, or a prestige buyer on the North Shore, we deliver the capital you need, when you need it. Our private lending in Sydney solutions are designed for property investors, developers, and business owners seeking fast, flexible funding across Sydney’s metropolitan and inner-city markets. We provide private lending across New South Wales, with a strong focus on Sydney and surrounding metropolitan areas. As part of our national lending network, we also provide private lending across Australia.

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Why Choose Private Lending in Sydney?

We offer a full range of private lending solutions including first mortgage loans, second mortgages, bridging finance, construction loans, development finance, and caveat loans, tailored to your specific scenario and exit strategy.

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

• Flexibility: Loans tailored around your asset and exit plan, not just credit history.

• Equity Access: Sydney’s high property values make private lending ideal for releasing equity quickly.

• Solutions Banks Won’t Offer: Working capital, top-ups, and ATO debt expenses are often outside the banks’ comfort zone but not ours.

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Innovate Funding – Sydney’s Private Lending Specialists

We offer some of the most competitive private lending rates in Sydney:

• First mortgages from 8.75% p.a.

• Second mortgages from 1–2% per month

• Transparent fees and flexible terms

Our strength lies in combining local knowledge with access to a diverse capital network, meaning we often fund deals other lenders can’t or won’t.

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How Our Process Works

1. Enquire – Contact us via form, phone or email with your scenario.

2. Quick Assessment – We review the property, equity and exit strategy.

3. Offer Terms – Clear, competitive terms tailored to your deal.

4. Fast Settlement – Approvals in 24 hours, funds often within days.

This clear, simple process means you never miss a critical deadline.

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Who We Help

Our private lending in Sydney solutions support property investors, developers, and business owners requiring fast access to capital across metropolitan and inner-city markets.

• Property Developers – Funding for subdivision, DA approvals, early works, duplex/townhouse builds.

• Investors – Refinancing, equity release, and bridging loans for acquisitions or cashflow.

• Business Owners – Commercial purpose loans secured against residential or commercial property.

• Brokers, Accountants & Solicitors – Fast solutions for clients declined by banks or needing top-ups.

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Sydney Private Lending vs Bank Finance

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Types of Loans We Provide

• First Mortgages – Up to 65% LVR, ideal for site acquisition, refinancing or short-term cashflow.

• Second Mortgages & Equity Releases – Unlock extra capital behind your bank loan (up to ~75% combined LVR).

• Bridging Loans – Buy before you sell, or meet short settlement deadlines.

• Subdivision & Development Finance – DA approvals, early-stage works, townhouse and duplex projects.

• Commercial & Business Purpose Loans – Secured against Sydney property for business use.

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Loan Sizes & Terms

• Loan amounts: $50,000 – $20M+

• Security: Residential, commercial, development or mixed-use assets across Sydney

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

• Rates: First mortgages from 8.75% p.a.; second mortgages 1–2% per month

• Terms: Typically 3–12 months, with flexible exits

Learn more about how private lending works in our knowledge hub.

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Sydney Scenarios

• Parramatta Development Site: $2M first mortgage at 65% LVR to secure land pending DA approval.

• Bondi Duplex Build: $1.3M second mortgage to complete construction; refinanced to bank after presales.

• Chatswood Commercial Strata: $2.4M bridging loan to capture a discounted opportunity with urgent settlement.

• Sans Souci commercial Property: Seeking $550,000 refinance due to high rates from existing lender.

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Sydney Suburbs We Lend In

We assist clients across Sydney, including the Eastern Suburbs, Inner West, North Shore, Western Sydney, and Sutherland Shire, providing fast access to property-backed funding solutions.

• Eastern Suburbs: Bondi, Randwick, Rose Bay, Vaucluse.

• Inner West: Marrickville, Balmain, Newtown, Ashfield.

• North Shore: Mosman, Chatswood, Wahroonga, Lane Cove, North Sydney.

• Western Sydney: Parramatta, Penrith, Blacktown, Liverpool, Bankstown.

• Northern Beaches: Manly, Dee Why, Narrabeen, Avalon, Palm Beach.

• South Sydney & the Shire: Alexandria, Mascot, Botany, Cronulla, Miranda, Sutherland.

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FAQs – Private Lending Sydney

Is private lending legal in Sydney?

Yes. Private lending is a regulated alternative to traditional banks and is widely used by property investors, developers and business owners across Sydney when conventional finance is not suitable.

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How fast can private loans be approved in Sydney?

Indicative approvals can often be provided within 24 hours, with settlements typically completed within 2 to 3 business days depending on valuation and legal documentation.

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Can I get a private loan if the bank declined me?

Yes. Private lenders focus primarily on property security and exit strategy rather than strict bank servicing requirements, making them suitable for borrowers declined by traditional lenders.

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What loan-to-value ratio (LVR) can I get?

Typically up to 65% LVR for a first mortgage, and up to approximately 75% combined LVR when using a second mortgage, depending on the asset and overall structure.

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What types of property can be used as security in Sydney?

Residential homes, apartments, commercial property, industrial assets, mixed-use developments and development sites across Sydney may be accepted, subject to valuation and marketability.

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Do you provide private lending across all areas of Sydney?

Yes. Innovate Funding arranges private loans across Sydney including the CBD, Eastern Suburbs, Inner West, North Shore and Western Sydney, subject to acceptable security and exit strategy.

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Are private loans available for business purposes only?

Yes. Most private lending solutions are structured for business or investment purposes rather than personal or consumer lending.

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Why Innovate Funding?

• Trusted by brokers, accountants and solicitors across NSW.

• Over $100 million funded across Sydney projects.

• Clear documentation, quick communication, no hidden fees.

• Repeat clients and referral partners trust us to deliver.