A private lender in Sydney,
with the credit team at 14 Martin Place.

We will not tell you we are, because every lender says it. What we will commit to is a first response within four business hours and an indicative position the same business day on a complete submission. Settlement is then driven by the valuation and the legals, and our fastest is five days. Ask any Sydney lender for those three numbers in writing and compare them.

Nobody is, and a lender who tells you otherwise is selling. The right Sydney private lender depends on the shape of the deal: the position, the LVR, the postcode, whether the borrower can evidence income, and how hard the exit date is. We are the right call on a first or second mortgage against Sydney property where the exit is clear and the timetable is short, and on a file a bank has already declined on servicing. We are the wrong call on a loan to an individual borrower, on consumer or owner-occupied purpose, on an unsecured facility, or where the client needs a five-year term. Judge any lender on four things you can verify before you send a file: whether they lend their own capital, whether the fees are published, what they commit to in writing on timing, and whether a broker who has settled with them will take your call.

A lender. We lend from committed institutional capital, secured by registered mortgage over Australian property, and there is no panel to shop your deal around.

Both describe the same business from different angles. Private credit is the asset class - non-bank capital lent directly to a borrower rather than raised through a bank deposit book. A private mortgage is the security we take for it: a registered first or second mortgage over Australian property. So a private credit lender in Sydney that secures its loans by mortgage is a private mortgage lender in Sydney, and we are both. What we are not is a broker, a fund manager raising money deal by deal, or a syndicator.

Yes, on Alphacon Second, from $100,000 to $5,000,000 behind an existing first mortgage. Combined LVR inside 70%, and the first mortgagee's consent is the long pole - name the incumbent at submission so consent runs in parallel with credit. The second mortgage page sets out what credit looks at in that position, in Sydney or anywhere else.

Yes, where the purpose is commercial or investment and there is Australian property to secure it. The borrower must be a company or a trustee. We assess the security, the LVR and the exit rather than trading history, which is what makes an urgent file possible at all.

To 75% on Alphacon Bridge, Fast and Line, 70% on Reach, and 70% combined where Alphacon Second sits behind an existing first. The LVR calculator checks a scenario against each product's published maximum, including the combined position.

Not as a servicing test. Alphacon Fast, Line, Reach and Second do not score credit at all - the assessment sits on the security and the exit. Alphacon Bridge is the exception and the trade is deliberate: it wants an accountant's letter or prepaid interest and credit above 600, in exchange for carrying no risk fee.

Rates start at 8.50% p.a. and are priced per deal on the security, the peak LVR and the strength of the exit. On top sit an establishment fee, a monthly loan management fee, the valuation, and a risk fee on every product except Alphacon Bridge. The bridging cost estimator itemises the total over the term, and the product guide carries the full fee schedule.

Yes. The Central Coast and the Illawarra are classed metro, so a Gosford or Wollongong security keeps the full product set. Further out - the Riverina, the Central West, the far north coast - is non-metro, and those deals price on the products written Australia-wide: Alphacon Bridge, Reach and Second. The postcode checker gives the classification for a given address.

Yes, where the borrower is a company or a trustee, the purpose is business or investment, and there is Australian property to secure it. That last condition is the one that decides it. We do not run a servicing calculator or score trading history, so a Sydney business with a good asset and a thin or recent set of accounts is not filtered out before a person reads the file - but we cannot lend unsecured, and we cannot lend to an individual in their own name. Facilities start at $100,000, which is deliberately low enough for a small business deal to be worth writing.

Yes, by appointment at 14 Martin Place, Sydney NSW 2000. Brokers who write with us regularly do, and it is worth doing once - you meet the person who prices your files rather than a relationship manager. Call 1300 450 339 or email deals@alphaconcapital.com.au and we will find a time.