Locations
Business loans in Sydney
Lienhouse funds Australian companies and trusts against Sydney property they already own. What is specific to Sydney is not your eligibility but the security itself - how the asset values, how readily it would sell, and the New South Wales register the loan is lodged in.
Servicing Sydney and surrounds.
Raise capital against your Sydney property.
The amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction. Reply to it and they’ll be in touch.
- No cost and no obligation. An enquiry is not a commitment to anything.
- We match you with a funder and email you their introduction. Reply to it and they take it from there.
- Your details stay with us until you reply to the introduction.
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Lienhouse funds Australian companies and trusts against the property they already own, and Sydney is no exception. What changes from one city to the next is not your eligibility - it is the security itself: how the asset values, how readily it would sell if an exit were ever needed, and the New South Wales register where the caveat or mortgage is lodged. On all three counts, Sydney is one of the more straightforward markets to lend against.
How Sydney’s market shapes the security
Sydney’s strength as security is concentrated where supply is tight. Inner-ring and infill industrial - South Sydney and the Inner West - is among the most constrained in the country, with land that cannot be replaced once it is gone; well-located warehousing and logistics stock there values strongly and sells into a deep buyer pool, which supports both the valuation and a clean exit. Prime and premium office in the CBD and in Parramatta is holding at the top end as occupiers move to better-quality space. The softer end is secondary office and parts of the greenfield outer west, where supply has run ahead of demand - still fundable, but valued more conservatively and assessed harder on the exit. The Western Sydney International Airport and the Aerotropolis around it are reshaping the logistics map, and land in that catchment is being taken up well ahead of need.
Where the loan is registered
Security over Sydney property is registered through NSW Land Registry Services, the state’s Torrens register. New South Wales has moved fully to electronic lodgement: caveats, mortgages and discharges are lodged through PEXA or another approved network, and an electronic settlement typically completes within a couple of hours rather than over several days. A caveat records your interest on the title quickly and lightly; a second or first mortgage is a registered interest under the Real Property Act 1900. Which instrument fits depends on the asset, the position behind any existing first-mortgage holder, and your timeframe - we confirm that for your security upfront.
What we’ll need
Enough to assess the security and the exit: the property and roughly what it is worth, anything already secured against it, the amount and term you need, and how the facility is repaid or refinanced. The figures on this page are indicative - representative of current conditions and subject to assessment. Where the security and the exit are clear, a Sydney deal can move quickly.
- Companies or trusts holding Sydney or NSW property with equity and a clear exit
- Borrowers who need to move faster than a bank on a Sydney deal or settlement
- Well-located industrial, commercial or business-purpose residential security
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without a realistic repayment or refinance exit
- Thinly-traded or hard-to-value security with no clear sale path
Sounds like your situation?
Tell us the amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction.
How it compares
FAQ
Do you fund against property anywhere in Sydney?
Yes - across greater Sydney and the rest of New South Wales, for business purposes. What matters is the security and the exit, not the postcode.
How is the loan registered in NSW?
Through NSW Land Registry Services, the state Torrens register. New South Wales has moved fully to electronic lodgement, so a caveat or mortgage is lodged via PEXA rather than on paper.
Does the Sydney market affect how much I can borrow?
It can. Well-located, saleable security supports both valuation and a clean exit; softer or oversupplied assets are assessed more conservatively and the exit checked harder.
Can you settle on a Sydney property quickly?
Often within days once the security details and a clear exit are in hand. Electronic settlement in NSW typically completes within a couple of hours on the day.
Raise capital against your Sydney property.
No cost, no obligation. The form is back up the page and takes two minutes.