Built for a world of
greater consequence.
High-net-worth families and professionals operate in a world where financial decisions carry greater complexity, sensitivity, and consequence.
At Lydian Private Office, we provide tailored lending and structuring solutions designed specifically for this environment. With over 25 years of combined experience across Private Banking and specialist finance, we act as a trusted adviser, delivering outcomes that extend well beyond traditional mortgage broking.
About Lydian Private Office →Lydian Private Office helps High-Net-Worth clients navigate complex lending with tailored, discreet solutions backed by deep relationships and a focus on long-term wealth outcomes.
Named for the first coin
ever struck.
In the seventh century BC, the kingdom of Lydia minted the world’s first standardised coinage. The electrum trite. Precision, trust and lasting value. We carry that name because those principles still matter in modern finance.
In good
company.
We work alongside the advisers our clients already trust. Think of us as your lending strategy partners, helping your clients achieve better outcomes while preserving your trusted adviser relationship.
- EK Private
- Koda Capital
- George Kemp & Associates
- Quarter Five
- Private Wealth Partners
- Sound Property
- APT Wealth
- DMC Property
- Valyrian Private Wealth
- LGT Crestone
- Infolio Property
- Lydian Finance
- Ensombl
- Sheffield Financial Group
- Performance Property
- Ord Minnett
Clients who require
more.
For clients who value discretion, expertise, access and wholistic debt advice.
Professional & Wholesale Investors
Advanced structuring for experienced investors building property portfolios, deploying leverage strategically, and accessing institutional-style lending solutions.
Discuss →Professional Services
Tailored finance solutions for lawyers, accountants, and consultants requiring flexibility around bonus income, equity participation, and entity structuring.
Discuss →Executives
Strategic debt advice for senior executives with share-based remuneration, deferred incentives, and multi-entity balance sheets.
Discuss →Founders
Flexible lending solutions for entrepreneurs and business owners with non-traditional income, retained earnings, and growth-stage liquidity planning.
Discuss →Expats
Cross-border lending strategies for Australians living overseas or returning home, navigating foreign income, currency exposure, and global assets.
Discuss →Medicos
Specialist lending strategies for doctors and healthcare professionals with complex career pathways, partnership structures, and accelerated income growth.
Discuss →Find the right service
for your situation.
Three short questions. Your answers point you to the part of Lydian best suited to what you need. Under a minute.
What would you like to achieve?
Think of us as your lending strategy partners, helping your clients achieve better outcomes while preserving your trusted adviser relationship.
Become a PartnerThe difference is
access.
Private Bank Access
Direct relationships with credit decision-makers inside Australia's major private banks. We workshop cases before formal lodgement.
Curated Lending Proposals
Every client receives a bespoke document covering structure, risk assessment and implementation strategy. This is the standard, not the exception.
HNW Policy Expertise
Vesting stock, bullet loan exits, higher LVRs on prestige property, crypto-backed lending. We operate where most brokers cannot.
Post-Settlement Partnership
Settlement is not the conclusion. Re-pricing, valuations, refreshed proposals and ongoing access to the team throughout the life of the facility.
Experience
Solutions Structured
Rating
Served
The
Lydian Experience.
Joint meeting in our office, yours, or the client's preferred location. We present as an extension of your practice.
Internal review of equity, income, tax and long-term objectives. We build the lending architecture before approaching any institution.
Curated Lending Proposal reviewed by you before the client sees it. Nothing goes to market without your approval.
Joint presentation covering structure, risk and implementation. The client sees a unified advisory team.
We manage lenders, valuers, solicitors and accountants end-to-end. Your team stays informed without the operational load.
Smooth execution with regular updates to both client and partner. No surprises.
Re-pricing, refreshed proposals, ongoing access. The relationship continues long after the facility settles.
Case Studies
Case Studies
Two retail lenders declined on serviceability. Asset-rich, cashflow-constrained. We workshopped directly with a private bank credit officer using notional yield methodology. Accepted without condition.
Post-business exit. Complex mix of industrial, residential and commercial property with no trading income. Three asset classes structured across accounting, legal and wealth.
Primary lender withdrew mid-build due to internal policy change. Private funder sourced within weeks. Capitalised interest over 18 months eliminated monthly obligations entirely.
Couple in their late 60s wanted to help two children into the Sydney market without making outright gifts. Structured an interparty loan that satisfied both lender and Centrelink requirements.
Cryptocurrency as collateral without income assessment, plus share trading treated as recognised income. Dual-structure approach unlocked full financing without forced realisation.
What you see is
never the whole picture.
Most clients engage us to secure a better rate or access a facility they couldn’t find elsewhere. What they receive is a comprehensive lending architecture designed to protect and grow their position over time.
“We worked with Josh on a complex lending structure involving a bridging loan and bundled commercial and residential exposure. He understood the bigger picture from day one, structured everything strategically, and navigated multiple moving parts cleanly. What really stood out was how he simplified a complex deal and negotiated outcomes that genuinely worked in our favour.”
Salvador and the Lydian team handled our refinance with precision. Complex SMSF structure that two other brokers couldn't solve.
Professional, discreet, and genuinely knowledgeable about private banking. They workshopped our case directly with the credit team before lodgement.
We've worked with Lydian on three separate transactions now. Each time they've found structures we hadn't considered.
The team worked through genuinely complex income and structuring, navigated last-minute complications without disruption.
Referred by our accountant and couldn't be happier. Settlement was smooth and the post-settlement support has been excellent.
First time using a broker after years with the bank directly. Wish we'd made the switch sooner. Significant rate improvement.
Handled a cross-collateralised portfolio restructure that our previous broker said was impossible. Done in six weeks.
Exceptional service from start to finish. They kept us informed at every stage and delivered exactly what was promised.
Salvador and the Lydian team handled our refinance with precision. Complex SMSF structure that two other brokers couldn't solve.
Professional, discreet, and genuinely knowledgeable about private banking. They workshopped our case directly with the credit team before lodgement.
We've worked with Lydian on three separate transactions now. Each time they've found structures we hadn't considered.
The team worked through genuinely complex income and structuring, navigated last-minute complications without disruption.
Referred by our accountant and couldn't be happier. Settlement was smooth and the post-settlement support has been excellent.
First time using a broker after years with the bank directly. Wish we'd made the switch sooner. Significant rate improvement.
Handled a cross-collateralised portfolio restructure that our previous broker said was impossible. Done in six weeks.
Exceptional service from start to finish. They kept us informed at every stage and delivered exactly what was promised.
People Behind
the Office.
A conversation
costs nothing.
Whether you have a complex lending need, are exploring wealth structuring, or simply want clarity on your options, we are available to speak.
or reach us at operations@lydianprivate.com.au
Adviser or accountant? Partner with us →