Lydian Private Office partners with High-Net-Worth families and business owners to make debt a deliberate part of their wealth strategy: unlocking opportunity, preserving capital, and building wealth across generations.
Lydian Private Office.
Using debt as a strategic advantage.
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. The team has over 50 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 →Named for the first coin ever struck. Hover or tap it for the story behind the name and the lion.
An extension of your
advisory team.
The best outcomes happen when advisers work together. We work alongside the advisers clients already trust by providing specialist debt advice that complements their expertise, without affecting the trusted relationships they’ve built with their clients.
For those building
something enduring.
01Leverage · StructureProfessional & Wholesale InvestorsDebt that scales with the portfolio.Discuss →02Partnership · DistributionsProfessional ServicesFinance that reads the partnership, not the payslip.Discuss →03RSUs · BonusExecutivesLending that counts the whole package.Discuss →04Retained earnings · Cash flowFoundersFinance that reads the business you built.Discuss →05Foreign income · CurrencyExpatsLending for Australians, wherever home is now.Discuss →06LMI waived · Higher LVRMedicosLending that backs the whole career, not one year of it.Discuss →Find the right service
for your situation.
Three short questions. In under a minute, we'll direct you to the part of Lydian Private Office most relevant to your objectives.
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 right relationships.
The right outcomes.
Clarity from the outset
Private Banking Relationships
Complex lending scenarios are workshopped directly with senior credit decision-makers before formal submission, creating greater certainty from the outset.
A strategy, not a quote
Curated Lending Proposals
We develop a considered lending strategy before discussing products, ensuring every recommendation aligns with your broader objectives.
Greater borrowing potential
HNW Policy Expertise
From complex remuneration structures to specialist security (such as cryptocurrency) and bespoke policy, we solve lending challenges that sit beyond standard credit frameworks.
Support beyond settlement
Post-Settlement Partnership
Our relationship extends well beyond settlement, with ongoing reviews to ensure your lending continues to support your broader wealth strategy.
Experience
The
Lydian Private Experience.
The Lydian Private Experience.
- 01
Client Meeting: Discovery
We take the time to understand client objectives, existing structures and long-term priorities before discussing solutions.
- 02
Partner Alignment
Our proposed strategy is refined with the client's advisory team before being presented, ensuring alignment and confidence from all parties.
- 03
Strategy Presentation
We present the recommended strategy in full, covering structure, risk and implementation, so every decision is made with complete visibility.
- 04
Implementation
We coordinate lenders, valuers, solicitors and advisers to deliver a seamless implementation from approval through to settlement.
- 05
Post-Settlement
Our relationship doesn't end at settlement. We continue to review your lending as your wealth, investments and objectives evolve.
Case Studies
Case Studies
- Structure
- 10yr interest-only
- Servicing
- Notional yield, asset-based
- Security
- Residential · private bank
- Source
- Private wealth adviser
Asset-rich but cashflow short of covering repayments, with the client over 70 and needing a longer term.
- Split
- $25m debt · $25m cash
- Assets
- Industrial · resi · commercial
- Servicing
- Lease + future investment income
- Source
- Family office mandate
Recently sold the family business, so with no trading income, servicing had to rely on lease and future investment income across mixed assets.
- Structure
- 18mth capitalised interest
- Security
- Equity in IP + land value
- Drawdown
- Full funds at settlement
- Repayments
- None during build
Project was mid-construction with borrowing-capacity constraints and further equity needed to finish.
- Structure
- 2 × $1.5m equity release
- Security
- Parents' unencumbered property
- Mechanism
- Interparty loan agreement
- Source
- Wealth adviser
The children couldn't service debt in their own right, and the parents preferred not to gift the funds outright.
- Mix
- $2.6m refi · $1.2m buy · $600k cash-out
- Crypto
- $900k non-recourse
- Tax
- No CGT triggered
- Source
- Accountant referral
Servicing was constrained on current income, with extra funds needed to complete a purchase and invest further.
What clients
say.
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.
Client testimonials are being collected and will appear here, with consent.
Client testimonials are being collected and will appear here, with consent.
Every strategy begins
with a conversation.
Whether you're acquiring a significant asset, reviewing existing debt or planning your next move, we're here to help you think strategically.
or reach us at operations@lydianprivate.com.au
Adviser or accountant? Partner with us →