Private lenders
Private lenders in New South Wales
A private lender NSW borrowers approach may provide bridging, caveat loans, second mortgages and development finance across Sydney and regional New South Wales. This hub links the NSW guides, the duty calculator and the regional pages.
Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026
The NSW lending landscape
Sydney's high values mean substantial equity sits in many portfolios, which is why second mortgages and equity release are common there. Newcastle, Wollongong, the Central Coast and inland centres such as Wagga Wagga have distinct markets and lender appetite.
Land in NSW is registered through NSW Land Registry Services, and transfer duty is administered by Revenue NSW. Check the NSW stamp duty calculator.
NSW lending guides
Sydney and NSW commercial precincts
In NSW, titles are handled by NSW Land Registry Services and duty and land tax by Revenue NSW. See the national guide.
- Sydney CBD, Pyrmont and Barangaroo: office and premium mixed-use property.
- Parramatta and Western Sydney, including Wetherill Park and Erskine Park: commercial, industrial and logistics.
- North Sydney, Chatswood and Macquarie Park: office and business park property.
- Newcastle, Wollongong and the Central Coast: large regional commercial markets.
Frequently asked questions
Do private lenders lend outside Sydney?
Many do, though valuations and appetite vary in regional areas.
Who administers NSW duty?
Revenue NSW. Privet's NSW stamp duty page links to it.
Is Privet a NSW lender?
No. Privet is not a lender. You can send one enquiry to finance providers.
Regions in this state
- Private lenders in Sydney
- Private lenders in Newcastle and the Hunter
- Private lenders in Wollongong and the Illawarra
- Private lenders in Central Coast
- Private lenders in Parramatta and Western Sydney
- Private lenders in Northern Rivers and Byron Bay
- Private lenders in Coffs Harbour and the Mid North Coast
- Private lenders in Port Macquarie and the Hastings
- Private lenders in Tamworth and New England
- Private lenders in Orange, Bathurst and the Central West
- Private lenders in Dubbo and Western NSW
- Private lenders in Wagga Wagga and the Riverina
- Private lenders in Albury
- Private lenders in Queanbeyan and the Capital Region
Related guides
- Private lenders in Sydney
- Bridging finance in New South Wales
- Caveat loans in New South Wales
- Stamp duty in New South Wales
Glossary: transfer duty, caveat
Run the numbers
Test cost and timing with the matching calculator before you speak to anyone. Then send one enquiry to finance providers.
Cite or share this guide
Privet (2026). Private lenders in New South Wales. Retrieved from https://privet.com.au/private-lenders/new-south-wales
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