"Most significantly and obviously, the applicant wishes to be available to attend and bond with those five-week-old baby daughters," Justice Julia Lonergan said on Tuesday.

The Sydney woman was re-arrested on October 16, after being on bail since December after her initial arrest in October 2020.

Appearing via video-link from jail, she wiped away tears when the judge was told of her difficult pregnancy, her babies, her toddler and an older child.

She is charged with "a significant number" of offences including fraudulently dealing with very large sums of money between February 2016 and December 2020.

She's accused of dealing with identification information to commit an indictable offence on numerous occasions, obtaining a financial gain by deception and using false documents to obtain property as part of an elaborate fraud syndicate.

Her re-arrest includes claims she offended again in April 2021 in three successful attempts to obtain money by fraudulent loan applications from two financial institutions.

The new charges led to her being returned to custody, weeks after the twins' birth, for allegedly breaching her bail by committing further offences.

In opposing her release, prosecutor Stephen Makin said $400,000 in cash was located at the time of the arrest.

"It is unusual for someone to have $400,000 in cash lying around at home," he said.

"There is a suspicion it is connected in some way with criminal activity."

Her barrister David Dalton SC told the judge the charges would be defended.

He said his client had no involvement in the new charges, noting co-accused had worked at the relevant finance company.

Justice Lonergan said the twins were born four weeks early after a difficult pregnancy which also caused injuries to the mother.

Her toddler was said to be missing her and "is of an age where it would be difficult " to explain her absence.

Deeming the personal matters to be "significant" to her being released, the judge said strict conditions could deal with the Crown's concerns of her posing an unacceptable risk of committing offences if bailed.

Mr Makin referred to the apparent "audaciousness" of her alleged offending.

""The Crown asserts the crown case is strong, and shows a pattern of bold and repeated offending," the judge said.

Mr Dalton submitted his client needed to see lawyers to prepare her case, which so far involved a "complex" 143,000-page crown brief.

The judge found there was a real prospect the woman's estimated-six-week trial would not be heard for 18 months.

Her personal circumstances relating to her children were matters that amounted to a "type of vulnerability" and need for her to be free.

While most people in custody had families, the judge said this case involved a "particularly pressing combination of circumstances".

Her $1.5 million bail conditions also include daily reporting to police and no contact with her co-accused or prosecution witnesses.

She's not to work in any finance-related business or liaise with any such institution or lender directly or by any third party except for an account or loan in her own name.

She can only operate one mobile device, one computer and is barred from using any encrypted device.

Australian Associated Press