Private first mortgagesin New South Wales.

Used by investors, developers and non-conforming borrowers. Security is usually first registered mortgage.

Solara arranges private first mortgages on New South Wales security through banks, private lenders, non-bank lenders and specialist funds; which of them is right for a file depends on security, exit and timing rather than postcode.

NSW carries Australia's deepest and most competitive private-lending market, with the widest panel of banks, private lenders, non-bank lenders and specialist funds active on Sydney security. Regional coastal and inland centres draw more selective, typically higher-margin appetite, particularly for agribusiness and tourism-linked assets.

Duty and tax: Transfer duty applies to both commercial and residential security, generally assessed on the higher of the purchase price or market value; surcharge purchaser duty applies on top of standard duty when a foreign person acquires residential land in NSW. Land tax applies annually to the taxable value of investment and commercial landholdings above the tax-free threshold, calculated per owner or trust, with a land tax surcharge for foreign owners of residential land.

Caveats are lodged electronically with NSW Land Registry Services (NSW LRS), typically via PEXA, and lapse unless supported by a caveatable interest or extended by the court.

NSW LRS administers Torrens title; e-conveyancing through PEXA is now standard for transfers and mortgage registration.

Retail leases fall under the Retail Leases Act 1994 (NSW); other commercial leases are largely unregulated by that Act.

Sydney development sites are subject to local environmental plans (LEPs) and, in some precincts, State Environmental Planning Policies that affect height, density and approval timing.

Rural and irrigation-linked security in inland NSW can involve water access licences administered by WaterNSW, which lenders should confirm transfer with the land.

Metropolitan Sydney valuations turn around quickly given panel depth, while regional and rural NSW security typically needs a specialist valuer and a longer lead time.