First and second mortgages from $100,000 to $25 million, secured by Sydney and NSW property, with a straight answer within 24 hours.
Verified Capital is a Sydney private lender. We are based here, most of our loans are secured here, and the people who assess, approve and fund a loan are the people you deal with from the first call to repayment.
We lend against residential, commercial and industrial property and land across the Sydney metropolitan area and the Central Coast, Newcastle, Wollongong and the Southern Highlands. New South Wales is our largest market, with $72 million currently on loan across 31 active facilities, and our appetite for well-secured Sydney property is strong.
We are not a replacement for your bank. We are the lender you use when the bank’s timeframe or template does not fit the situation, and the loan is written to hand you back to the bank when it does. Rates are indicative and subject to valuation, due diligence and formal approval.
| Feature | Verified Capital | A bank |
|---|---|---|
| Decision | Indicative terms within 24 hours | Weeks, often months |
| Assessed on | The property, the purpose and the exit | Financials, trading history and lending policy |
| Borrowers | SMEs, companies, trusts and investors | Consumers and businesses |
| Loan term | 1 to 24 months | Long term |
| Paperwork | Short, specific to the deal | Full application and ongoing covenants |
| Who you deal with | The people who assess, approve and fund | Relationship managers and a credit committee |
| Rates and fees | Every rate and fee set out upfront in the letter of offer | Lower rate if the business qualifies |
Tell us about the property, the amount you need, the purpose and how the loan will be repaid. Your broker can submit on your behalf.
If the scenario fits, we issue a letter of offer within 24 hours with every rate and fee set out upfront.
We instruct an independent valuation and complete our credit and title checks.
Our solicitors prepare the documents and we settle on your timeframe, then stay your point of contact through to repayment.
1st mortgageSettledBank approval withdrawn ten days before settlement over a valuation shortfall, with a notice to complete served and a $320,000 deposit at risk. We settled the purchase in six days. Repaid when the bank finance came through four months later.
2nd mortgageSettledA services business in administration needed to fund a DOCA contribution and working capital to trade out. The directors’ industrial unit had equity behind a bank loan they wanted to keep. Repaid from trading and a bank refinance once the deed completed.
Send us the details and we will come back to you within 24 hours.
Contact us