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.
Our Clients
Built around who
you are.
We provide tailored lending and structuring solutions designed specifically for complex clients, where financial decisions carry greater complexity, sensitivity, and consequences.
The Common Problem
Where retail lending stops.
Traditional lending often views complexity as risk. We see it differently. Sophisticated financial structures, diverse income streams and growing investment portfolios deserve thoughtful analysis, not simplified assumptions. By understanding the complete picture, we create lending solutions that reflect the way your wealth is structured.
Professional & Wholesale Investors
For experienced investors building a portfolio across residential, commercial and private markets, where the next acquisition matters more than the last.
View →Professional Services
For lawyers, accountants and consultants whose income arrives as drawings, distributions and profit share, not a single salaried line.
View →Executives
For senior executives paid in equity, bonus and deferred incentives, where the choice of lender can move what you borrow by a wide margin.
View →Founders
For founders and business owners whose real capacity lives in retained earnings and growth, not in the salary the business pays them.
View →Expats
For Australians earning overseas or returning home, with lending built around foreign income, currency and a balance sheet that crosses borders.
View →Medicos
For doctors and specialists moving from registrar to consultant to practice owner, with lending that anticipates where the income is going.
View →Not sure where you fit? Try the service finder →
In their words
What clients say.
I had the pleasure of working with Remon Dallo and Salvador Huetos from Lydian Private, and I couldn't be more impressed with their professionalism, expertise, and dedication. They consistently demonstrated exceptional knowledge, clear communication, and a genuine commitment to achieving the best possible outcomes. Remon took the time to understand my needs, provided thoughtful guidance throughout the process, and was always responsive and proactive. The attention to detail, integrity, and client-focused approach made the entire experience smooth and stress-free. I highly recommend Remon Dallo and Salvador Huetos to anyone seeking trusted professionals who combine technical expertise with outstanding personal service. It was a pleasure working with them, and I would gladly do so again.
We couldn’t be happier with the exceptional service provided by Josh and his team. From the very beginning, Josh maintained regular, friendly communication without ever being pushy. When my partner and I were finally ready to take the plunge, Josh was right there with us every step of the way. He made what could have been a daunting process feel manageable by breaking everything down into clear, simple terms. He presented us with multiple options, ensuring we fully understood each one and felt confident in our decisions. Thanks to Josh’s expertise, patience, and dedication, navigating this exciting chapter of our lives was far easier than we ever expected. We’re incredibly grateful for his guidance and support and honestly wouldn’t have wanted to go through this process with anyone else. Highly recommend Josh and his team!
Josh and Sal are the absolute best brokers we have dealt with. Their knowledge of the entire process, combined with their tireless efforts gave us so much confidence. They went above and beyond to ensure everything went smoothly and no surprises could arise. Will and have recommended Josh and Sal to our family and friends.
I've had the pleasure of working with Josh for many years. He took over my account when I was extremely frustrated and performed brilliantly to bring our needs to life. Every step of the way Josh was responsive, informative, compassionate and went above and beyond to get us the best deal and present all of the facts. Josh turned things around in a very quick time frame and provided a brilliant service. I would highly recommend Josh and his team for any of your financial needs.
Josh has been amazing to work with. From helping financing our original loan a year ago to pro-actively looking for better loan options now. Thanks to Josh we’ve refinanced with a lower home loan rate and a LMI refund to boot! Josh is super friendly but very professional at the same time and we look forward to working with him for all our future home loan needs!
We are incredibly grateful to our mortgage broker Josh Ruthnaswamy for the exceptional service he provided while helping us re-mortgage our home. As a couple in our sixties, we were concerned about finding the right lender who would understand our needs, but he went above and beyond to make the process smooth and stress-free. His dedication and persistence in exploring every possible option were truly impressive. He took the time to explain everything clearly, ensuring we were comfortable with every decision. Thanks to his efforts, we secured a mortgage that works perfectly for us. We can't recommend Josh highly enough for anyone seeking personalized and thoughtful mortgage advice.
Josh and his Team at Lydian were incredible. The whole process and efforts to achieve the results were the most productive, professional and the best we’ve ever been associated with. The support and follow up through the process was always transparent, reassuring and personal. If you think it cannot be done then seriously speak to Josh and his wonderful team.
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