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.

​

Why Choose Private Lending in Sydney?

• 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.

​

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.

​

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.

Who We Help

• 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.

​

Sydney Private Lending vs Bank Finance

​

​

​

​

 

​

​

​​

​

​

​

​

​​

​

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.

​

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

​

Example 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.

​

Sydney Suburbs We Lend In

We service all of Greater Sydney, including:

• 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.

​

​

FAQs – Private Lending Sydney

Is private lending legal in Sydney?
Yes. Private lending is a regulated alternative to banks, widely used by investors, developers and businesses.

​

How fast can I get approved?
Approvals in as little as 24 hours; settlements typically in 2–3 business days.

​

What properties do you accept as security?
Residential, commercial, industrial, mixed-use and development land across Sydney.

​

Can I still get a loan if the bank declined me?
Yes. We focus on asset value and exit strategy, not rigid credit history.

​

What LVR can I get?
Typically up to 65% on a first mortgage and ~75% combined using a second mortgage.

​

Do you offer consumer loans?
No. All loans are strictly for business or investment purposes.

​

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.