Liquid Capital
Private lenderSydney, New South Wales
- What they fund
- First mortgageSecond mortgageBridging finance
- Website
- liquidcapital.com.au
- In a sentence
- Private first and second mortgages from $350k with no monthly repayments, secured by property.
Quick answer
Liquid Capital is a Sydney private lender offering first and second mortgages from $350k up to $50m, secured by property. As at October 2026 its website says interest and fees are paid at the end of the term rather than monthly, with a same-day decision and funding within 24 hours of final approval. It states first mortgages go to 80% of value and second mortgages to 90%.
Key points
- Private lender in Sydney offering first and second mortgages of $350k to $50m, per its website as at October 2026
- No monthly repayments: interest and fees are deducted at disbursement and the balance is repaid at the end of the term
- Security is property, and it says existing loans on the property and multiple properties are accepted
- Pre-qualification takes a few minutes with no credit check, but the site doesn't set out specific business-borrower criteria
- Lender type
- Private lender
- Based
- Sydney
- Products
- First and second mortgages, bridging
- Published amounts
- $350k to $50m
A loan with no monthly repayments sounds like a gift to anyone whose cash flow is stretched. Liquid Capital’s headline is just that: a private mortgage where interest and fees come off at the start and everything else waits until the end. This profile looks at what that structure means for a business owner, what the lender publishes as at October 2026, and where it fits.
Liquid Capital is a property lender first. Its website is built around first and second mortgages and uses examples of homeowners, so a business owner should read it as a source of property-backed money that can be used for business needs, and confirm with the lender how it treats business purposes.
What does Liquid Capital offer?
| Product | Published amounts | Loan-to-value (per its website) |
|---|---|---|
| First mortgage | $350k to $50m | Up to 80% |
| Second mortgage | $350k to $50m | Up to 90% |
Both are private loans secured on property, and it also shows short-term bridging among its recent deals. The distinctive features it advertises are:
- No monthly repayments. Interest and fees are deducted from the loan on disbursement, and the balance is repaid at the end of the term.
- No commitment fee, which it contrasts with other private lenders.
- Existing mortgages and multiple properties accepted as security.
- Speed: a quick pre-qualification with no credit check, a same-day decision and funding within 24 hours of final approval, subject to valuation and due diligence.
For how these structures work and where each sits in the queue of debts, see our guides to first mortgage business loans and second mortgage business loans.
What does “no monthly repayments” really mean?
It means no repayment pressure during the term, which is why owners like it. It also means three things you should plan for:
- The cost is front-loaded. Because interest and fees are taken from the loan on day one, the cash that reaches you is less than the headline amount. Always ask what you net.
- The whole balance falls due at once. If your sale or refinance is late, there is no repayment history to lean on.
- Your exit is the loan. A lender of this kind lives or dies on whether you can repay in a lump sum, so the exit strategy matters more than your income.
Liquid Capital’s example loan used an 18-month term with a refinance of an existing home loan as the exit. That is the kind of plan to have in hand before you apply.
Not sure your exit is strong enough? Describe your plan to us and we’ll tell you how a private lender is likely to see it.
Who does it suit?
Liquid Capital says it targets people whose banks have said no and who need flexible, fast finance for bridging, refinancing or releasing equity. For a business owner, that points to:
- an owner with significant property equity and a short-term need for working capital, a tax bill or to clear debt;
- a settlement gap where an asset is about to sell;
- larger needs, since the $350k floor rules out small top-ups.
It is not suitable for borrowers with no property, those needing under $350k, or anyone without a believable repayment plan. If you only need a smaller amount, a second mortgage from a lender with lower minimums, such as Secured Lending, may be a better fit.
What should I check before signing?
- Business purpose: its website does not lay out criteria for business borrowers, so confirm how it assesses a loan for business use and whether it requires a particular structure.
- Net funds, fees and total cost in dollars, not just the loan figure.
- Valuation and legal costs, and who pays them.
- Extension terms if your exit slips.
- Consent from your senior lender, which is normally needed for a second mortgage.
- Personal guarantees, if the borrower is a company.
Our second mortgage calculator shows how a second loan stacks against your property’s value and existing debt.
Alternatives if Liquid Capital isn’t right
- Need money faster than a mortgage settles? A caveat loan is secured by a caveat on the title instead of a registered mortgage, and can sometimes move faster.
- Equity in your home, not a commercial property? See home equity business loans.
- Other private lenders with profiles here include Equity One and Secured Lending.
- Bank first, where it fits. If you meet a bank’s policy, its offer is often cheaper and deserves serious attention. When it says no, private lending is the next step.
Before you commit, get a second view
Large private mortgages are big decisions with short timelines. Our form takes about a minute, doesn’t touch your credit file, and isn’t sent out to a stack of lenders. A person reads your answers and calls you.
Be precise about the property, what’s already owed against it, and how the loan will be repaid. That’s the information that lets us suggest the right kind of lender straight away.
Frequently asked questions
How much can I borrow from Liquid Capital?
As at October 2026 its website says $350k to $50m for both first and second mortgages. It lists loan-to-value limits of up to 80% for first mortgages and up to 90% for second mortgages. Each deal is subject to valuation and due diligence.
Do I make monthly repayments?
No, according to its website. Interest and fees are deducted from the loan at disbursement, so nothing is paid monthly and the balance is repaid at the end of the term. That helps cash flow but raises the stakes on the exit, because the full amount falls due at once.
What security does Liquid Capital accept?
Its website describes residential property as security and says properties with existing mortgages, and multiple properties, are accepted. It doesn't explicitly say commercial property is accepted as security, so check if that's your situation.
Does Liquid Capital lend for business purposes?
Its recent examples include working capital, debt clearance, settlement and bridging, but the website doesn't set out specific criteria for business borrowers. If the funds are for your business, say so up front and ask how it assesses business use.
What can I do if Liquid Capital can't help?
Another private lender, a second mortgage elsewhere or a caveat loan may fit, depending on the security and the amount. If you need less than $350k, look at lenders with lower minimums. You can also ask us, with no credit check to enquire.