Private Lenders Sydney for Business and Property Finance

Assurity Capital is a Sydney-based private lender providing short-term, property-backed finance for eligible business and investment purposes.

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We provide private first mortgages, second mortgage loans, bridging finance, secured business loans, construction completion finance and refinancing solutions across Sydney and Greater New South Wales.

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Our private lending solutions may suit business owners, property investors and developers who have suitable property security and a clear exit strategy but require an alternative to a traditional bank process.

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Assurity Capital considers eligible Sydney private lending scenarios from $50,000 to $5 million+. Every transaction is assessed individually based on the security property, available equity, existing debt, loan purpose, required timeframe and proposed exit strategy.

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Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Our loans are for non-regulated business and investment purposes only.

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Explore Private Lending Solutions in Sydney

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First Mortgage Private Loans

Private first mortgage finance for eligible Sydney property purchases, refinances, developments, investments, business requirements and urgent settlements.

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Explore First Mortgage Private Loans

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Second Mortgage Loans

Access available property equity for an eligible business or investment purpose without necessarily refinancing an existing first mortgage.

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Explore Second Mortgage Loans

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Bridging Loans Sydney

Short-term bridging finance between a Sydney property purchase, sale, settlement, development milestone or refinance.

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Explore Bridging Finance

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Secured Business Loans

Property-backed business finance for eligible working capital, stock purchases, expansion costs and commercial requirements.

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Explore Secured Business Loans

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Construction Completion Loans

Private finance for eligible Sydney developers and property owners seeking to complete partially constructed projects before sale or refinance.

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Explore Construction Completion Loans

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ATO and Creditor Payment Loans

Short-term property-backed finance for eligible Sydney businesses addressing ATO liabilities, creditor payments or other commercial obligations.

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Explore ATO and Creditor Payment Loans

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Refinancing Private Lenders and Caveat Loans

Refinance an existing private mortgage, caveat loan or short-term facility where suitable property security and a credible exit strategy are available.

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Explore Refinancing Private Lenders or Caveats

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Private Lenders Across Sydney

Select your area to find information about private mortgages, bridging loans, second mortgage finance and secured business loans in your part of Sydney.

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• Private Lenders Sydney CBD

• Private Lenders Eastern Suburbs

• Private Lenders North Shore

• Private Lenders Northern Beaches

• Private Lenders Inner West

• Private Lenders Western Sydney

• Private Lenders South-West Sydney

• Private Lenders Hills District

• Private Lenders Sutherland Shire

• Private Lenders Parramatta

• Private Lenders Bondi Junction

• Private Lenders North Sydney

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What Is a Private Lender in Sydney?

A private lender provides finance outside the traditional banking system. In Sydney, private lenders commonly provide short-term loans secured by residential investment, commercial, industrial, development or other acceptable property.

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Private lending may also be described as private mortgage lending, private property finance, private money lending, non-bank lending or asset-backed lending.

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A Sydney private lender generally assesses the complete transaction, including:

• The location, type and estimated value of the security property.

• Existing mortgages, caveats and other registered interests.

• Available property equity.

• The proposed loan-to-value ratio.

• The business or investment purpose.

• The required loan amount and term.

• The proposed sale, refinance or other exit strategy.

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Private lending does not guarantee approval. The transaction must have suitable security, an acceptable purpose and a realistic repayment pathway.

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How Does Private Lending Work?

A private lending assessment begins with a summary of the proposed transaction.

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This generally includes:

• The borrower or borrowing entity.

• The Sydney property being offered as security.

• Its estimated value.

• Existing mortgage and caveat balances.

• The amount required.

• The intended use of funds.

• The required timeframe.

• The proposed exit strategy.

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If the initial scenario appears suitable, further documents may be requested. These can include loan statements, property information, ownership records, company or trust documents, evidence supporting the loan purpose and information about the proposed exit.

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The appropriate mortgage position, loan term, interest, fees and conditions will depend on the complete assessment.

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Private Lenders vs Banks in Sydney

Banks and private lenders can both provide property-secured finance, but their lending processes and suitable uses differ.

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Banks generally rely on standard servicing requirements, current financial statements, credit policies and formal approval procedures. This can suit conventional, long-term borrowing but may not accommodate every short-term or complex transaction.

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Private mortgage lenders focus more closely on property security, available equity, commercial purpose and exit strategy.

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Private lending may be considered when:

• A Sydney property settlement is approaching.

• A sale or mainstream refinance has not yet been completed.

• An existing first mortgage should remain in place.

• The transaction does not fit standard bank criteria or timing.

• A private mortgage or caveat loan needs to be refinanced.

• A development requires completion funding.

• A business needs short-term property-backed finance.

• An investor needs bridging finance before a property sale.

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Private finance may carry higher interest and fees than conventional bank lending. The complete cost and risks should be understood before proceeding.

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Private Mortgage Lenders Sydney

Private mortgage lenders provide loans secured by real property. Depending on the current debt and security structure, the loan may be registered as a first mortgage or second mortgage.

Eligible Sydney security may include residential investment property, commercial property, industrial premises, vacant land, development sites, partially completed projects and completed residual stock.

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Private First Mortgage Loans Sydney

A first mortgage gives the lender first-ranking security over the property. Private first mortgage loans may be considered for:

• Investment property purchases.

• Commercial property transactions.

• Business and investment refinancing.

• Property development.

• Construction completion.

• Urgent settlements.

• Short-term business funding.

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The property, existing encumbrances, purpose, loan amount and proposed exit are assessed before finance is offered.

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Second Mortgage Loans Sydney

A second mortgage ranks behind an existing first mortgage. It may allow an eligible borrower to access available equity without replacing the existing first loan.

Second mortgage finance may be considered for:

• Business working capital.

• ATO liabilities and creditor payments.

• Property development or improvements.

• Bridging requirements.

• Investment opportunities.

• Refinancing private or caveat lenders.

• Other defined business purposes.

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The first mortgage and proposed second mortgage are assessed together to determine the combined LVR.

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Bridging Loans Sydney

A bridging loan provides short-term finance between two property or funding events.

Sydney bridging finance may be relevant when:

• An investor is purchasing before selling another property.

• Settlement is due before a refinance is completed.

• A developer needs funds before project completion or sale.

• A business requires equity before an expected funding event.

• A property owner needs more time to complete a sale.

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A bridging loan must have a credible exit strategy. The exit may involve a property sale, refinance, development settlement or another identifiable repayment event.

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Caveat Loans and Private-Lender Refinancing

A caveat loan is generally supported by a caveat lodged over property rather than a registered mortgage. Caveat finance is often associated with short-term, time-sensitive commercial funding.

Assurity Capital considers refinancing existing caveat loans, private mortgages and other short-term facilities where suitable Sydney property security and a credible exit strategy are available.

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A refinance may provide additional time to:

• Complete a Sydney property sale.

• Finalise a mainstream refinance.

• Complete construction or development works.

• Receive expected settlement proceeds.

• Implement another longer-term funding solution.

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Secured Business Loans Sydney

A secured business loan is commercial finance backed by acceptable property.

Eligible Sydney business owners may use property-backed private finance for:

• Working capital and operational expenses.

• Inventory and stock purchases.

• Business expansion.

• ATO and creditor payments.

• Commercial settlement obligations.

• Refinancing business debt.

• Funding a defined commercial opportunity.

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The business purpose must be clear, and the proposed loan term should align with a realistic repayment strategy.

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Private Property Development Finance Sydney

Sydney property developers may use private lending for eligible acquisitions, construction completion, residual stock, bridging, settlement requirements or refinancing.

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A private development-finance assessment may consider:

• Development location and property type.

• Current land and project value.

• Work completed and remaining.

• Construction and completion costs.

• Existing development debt.

• Presales or expected property sales.

• The proposed refinance or exit strategy.

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Residual Stock Finance Sydney

Residual stock finance is property-backed lending secured by completed but unsold residential or commercial stock.

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A Sydney developer holding completed apartments, townhouses, commercial suites or other finished properties may use residual stock finance to:

• Refinance development debt.

• Release equity while sales continue.

• Manage project holding costs.

• Support staged sales or settlements.

• Fund another eligible business or investment requirement.

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The completed value, existing debt, sales position, marketability and proposed exit will form part of the assessment.

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Who Uses Private Lenders in Sydney?

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Business Owners

Sydney business owners may seek private finance for working capital, stock purchases, expansion, ATO liabilities, creditor payments or short-term commercial opportunities.

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Property Investors

Property investors may require private lending for acquisitions, settlements, equity release, bridging finance, improvements or refinancing.

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Property Developers

Developers may seek private finance for site acquisition, construction completion, residual stock, settlement deadlines or refinancing existing facilities.

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Self-Employed Borrowers

A self-employed borrower may have suitable property security and a strong commercial transaction but financial documentation that does not fit a standard bank process. The property, purpose and exit strategy must still satisfy private lending requirements.

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Mortgage and Finance Brokers

Sydney mortgage and finance brokers may approach Assurity Capital when an eligible client requires private first mortgage, second mortgage, bridging or secured business finance.

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Accountants and Lawyers

Accountants, lawyers and professional advisers may refer clients requiring property-backed finance for eligible business, investment, tax, creditor, settlement or refinancing purposes.

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Areas We Consider Across Sydney

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Sydney CBD and City Fringe

Assurity Capital considers eligible private lending scenarios involving property in the Sydney CBD and surrounding commercial areas, including Barangaroo, Pyrmont, Haymarket, Ultimo, Surry Hills and Alexandria.

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Eastern Suburbs

We consider suitable property security across Bondi, Bondi Junction, North Bondi, Bronte, Coogee, Randwick, Double Bay, Rose Bay, Bellevue Hill, Dover Heights, Vaucluse, Woollahra and surrounding Eastern Suburbs.

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North Shore

Private lending may be considered across North Sydney, Mosman, Neutral Bay, Cremorne, Chatswood, Lane Cove, St Leonards, Gordon, Pymble, Turramurra, Wahroonga and other North Shore locations.

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Northern Beaches

Eligible scenarios may involve property in Manly, Dee Why, Brookvale, Freshwater, Mona Vale, Narrabeen, Newport, Avalon Beach, Palm Beach and surrounding Northern Beaches areas.

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Inner West

We consider suitable private property finance across Balmain, Rozelle, Leichhardt, Glebe, Newtown, Marrickville, Petersham, Ashfield, Burwood, Strathfield and surrounding Inner West suburbs.

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Western Sydney and Parramatta

Private lending may be considered across Parramatta, Blacktown, Penrith, Liverpool, Bankstown, Auburn, Castle Hill, Norwest, Bella Vista and other Western Sydney business and property centres.

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Southern Sydney and Sutherland Shire

Eligible locations include Cronulla, Miranda, Caringbah, Sutherland, Hurstville, Kogarah, Rockdale, Botany and surrounding southern Sydney areas.

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A suburb’s inclusion does not guarantee that a property or loan will be accepted. Every location and scenario is assessed individually.

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Why Choose Assurity Capital as Your Sydney Private Lender?

Assurity Capital is based in Bondi Junction and provides private lending for eligible business and investment scenarios across Greater Sydney.

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Borrowers and professional referrers approach Assurity Capital for:

• Private first and second mortgages.

• Sydney bridging finance.

• Secured business loans.

• Construction completion funding.

• Residual stock loans.

• ATO and creditor payment finance.

• Refinancing private lenders and caveat loans.

• Practical assessment of property security and exit strategy.

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Risks and Costs of Private Lending

Private lending may involve higher interest and fees than mainstream bank finance. Because the loan is secured against property, failure to meet the agreed obligations may place the security property at risk.

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Before entering a private loan, borrowers should understand:

• The interest rate and total interest cost.

• Establishment, legal, valuation and other applicable fees.

• The loan term and repayment obligations.

• The mortgage ranking.

• Default interest and enforcement provisions.

• The exit strategy.

• The consequences if a sale or refinance is delayed.

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Independent legal, financial and tax advice may be appropriate before proceeding.

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Frequently Asked Questions About Private Lenders Sydney

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What does a private lender in Sydney do?

A Sydney private lender provides finance outside the traditional banking system, commonly secured by property and used for eligible business, investment, bridging, refinancing or development purposes.

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How much can I borrow from a Sydney private lender?

The available amount depends on the property value, existing debt, acceptable LVR, loan purpose and exit strategy. Assurity Capital considers eligible scenarios from $50,000 to $5 million+.

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Can a private lender provide a second mortgage?

Potentially. A second mortgage may allow an eligible borrower to access property equity without refinancing the existing first mortgage. The combined LVR, purpose and exit strategy must be acceptable.

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Can I obtain a private loan with bad credit?

Credit history may be considered, but it is not the only factor. Private lenders also assess the property security, available equity, total debt, loan purpose and exit strategy. Bad credit does not guarantee approval or decline.

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Do private lenders provide bridging loans in Sydney?

Private lenders may provide bridging finance for eligible Sydney property purchases, sales, settlements, developments and refinances where suitable security and a credible exit strategy are available.

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Can a private lender refinance a caveat loan?

Potentially. Assurity Capital considers caveat-loan and private-lender refinancing where acceptable property security and a clear repayment strategy are available.

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How quickly can private finance settle?

Timeframes depend on the property, valuation requirements, documents, legal work, mortgage position and complexity of the transaction. A private lender cannot guarantee the same timeframe for every scenario.

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Does Assurity Capital provide home loans?

Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Its private lending is for eligible business and investment purposes.

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Submit Your Sydney Private Lending Scenario

If you require private property finance for an eligible business, investment or development purpose, Assurity Capital can review your Sydney scenario confidentially.

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Provide the security property, estimated value, existing debt, amount required, purpose of funds, preferred timeframe and proposed exit strategy to begin an assessment.