First Mortgage Finance
Secure funding backed by property, tailored for business needs.
Over $400 million in business loans Australia-wide.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
Unlock working capital fast — using your property as security.
What Is First Mortgage Finance?
A first mortgage loan is a secured loan backed by your residential property or commercial property. This means your property is used as collateral, giving lenders confidence — and giving you access to larger loan amounts at lower interest rates.
Unlike long-term mortgages, first mortgage finance is short-term and purpose-built for business needs. Use it to cover costs, fund growth, or consolidate debt — all while keeping operations running smoothly.
Common Business Use Cases
Business owners use first mortgage finance for:
Covering payroll during tight months
Buying new equipment or vehicles
Paying the ATO or settling business tax debt
Upgrading technology and systems
Renovating commercial space
Expanding into new markets or locations
Launching new products or services
Paying urgent supplier invoices
Bridging cash flow gaps due to late payments
Consolidating business debts into one manageable loan
Recovering from a natural disaster or major disruption
Key Benefits
1. Fast Access to Capital
Get the funding you need without delays. Our streamlined process means less paperwork, quicker decisions, and faster settlements.
2. Higher Borrowing Power
By leveraging your property, you can borrow more than you could with unsecured finance — giving you greater flexibility.
3. Flexible Loan Structures
Choose from a range of loan terms and repayment plans designed to match your cash flow, business cycle, and project timeline.
4. Debt Consolidation
Roll multiple debts into a single facility. Simplify repayments, reduce interest, and regain control of your cash flow.
Why Choose Secured Lending?
Straightforward Process: Fast pre-approvals and minimal red tape.
Competitive Rates: Access funding at lower interest rates than unsecured business loans.
Tailored Advice: Speak directly with experienced lending specialists who understand business finance.
Transparent Terms: No hidden fees, no fine print. Just clear, honest lending.
Are You Eligible?
To qualify, you’ll need:
A commercial property with clear title (to be used as collateral)
A business with steady cash flow to meet loan repayments
A clear purpose for the loan (growth, working capital, debt consolidation, etc.)
Get Started Today
You don’t need to wait weeks for a bank decision. At Secured Lending, we move fast — so you can move forward.
Talk to our team now to check your eligibility and discuss your funding needs.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Frequently Asked Questions
How can we help you?
Secured Lending specialises in financing first mortgages up to $10 million. We understand that not all needs are created equal, and our minimum loan amount is $250,000. To determine the maximum loan amount for your specific situation, we’ll consider the available equity in your real estate asset. Have a look at our Product Matrix for more details on our loan options.
Speak to our team today to learn more. We specialise in fast turn around times, often within 24 hours.
Traditional first mortgages can be bogged down by slow valuations and approvals from your first mortgage lender. At Secured Lending, we understand the urgency of your needs. That’s why we’ve streamlined the process to get you funded in just 24 hours.
Here’s how we achieve lightning-fast approvals:
- In-House Valuations: Unlike most lenders, we have a team of expert property valuers on staff. This means we can complete valuations ourselves, eliminating the wait for external appraisals.
- No Reliance on First Mortgagee Approval: We understand you can’t control the timing of your first mortgage lender. Our process doesn’t rely on their approval, further expediting the funding process.
The result? You get a fast and clear decision on your second mortgage application, with funding arriving in just 24 hours. See our streamlined Lending Process for more details.
We understand the process of looking for finance can be extensive and confusing.
We aim to make the application process with Secured Lending as simple as possible, that’s why we have summarised below the high-level information we require to complete our initial assessment.
Check out our Application Guide on the typical information we need to assess your scenario.
Why Choose Secured Lending?
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Case Studies & Success Stories
Business Loans With Secured Lending
Proven secured lending strategies that drive business growth.
