Second Mortgage Finance
Unlock equity. Access capital. Keep your first mortgage in place.
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
Leverage equity. Protect your first mortgage. Move your business forward.
When your business needs funding — but your first mortgage is already in place — a second mortgage lets you access the equity you’ve built without disrupting your existing loan.
At Secured Lending, we offer second mortgage finance designed specifically for Australian business owners. Whether you need working capital, funding for expansion, or help managing short-term cash flow — we’ll help you unlock what you already own.
What Is a Second Mortgage?
A second mortgage is a loan secured against your residential property or commercial property, ranking behind your first mortgage. It allows you to access equity without refinancing your current facility.
It’s ideal for business owners who need fast access to capital but don’t want to touch their first mortgage.
Key features include:
Flexible loan terms — from 1 month to 24 months
Fixed interest rates — lower than unsecured loans
Loan amounts based on equity — not your credit score
No need to refinance — your first mortgage stays untouched
What Can You Use It For?
Business owners use second mortgage loans to:
Cover payroll during tight periods
Fund equipment or vehicle purchases
Settle outstanding tax debts with the ATO
Pay off urgent supplier invoices
Invest in marketing, digital systems, or stock
Renovate or upgrade their business premises
Consolidate short-term business debts
Bridge gaps in cash flow due to late-paying clients
Respond to emergencies like equipment breakdowns or disasters
Refinance and avoid foreclosure
Fund growth or expansion without waiting on bank approval
Second Mortgage Success Stories
Read our recent success stories of Second mortgages:
- Urgent $4.741M Second Mortgage Helps Client Settle on Prime Sydney Property
- Large 2nd Mortgage: Urgent $3M Loan Funded
- Successful $5.7M Blended Loan: When First and Second Mortgages Work Together
- From Enquiry to Settlement in 4 Days: How a Second Mortgage Delivered Urgent Capital of $300K
- How a $1.4M Second Mortgage Loan Rescued a Delayed Luxury Development
- The $850,000 Second Mortgage That Fuelled a Business Expansion
- How a $500,000 Second Mortgage Helped Fulfil a Contract on Time
- How a $300,000 Second Mortgage Supported a Small Business Restructuring and Rescue
- $800K Second Mortgage Tax Debt Loan Helped Save a Multi-Property Refinance in Pyrmont
- $3.5M First and Second Mortgage in Cronulla: Seizing an Investment Opportunity in Days
- $1.2M Second Mortgage Approved in 24 Hours: Unlocking Equity for a Time-Sensitive Commercial Deal
- $3 Million Loan Funded: Short Term Finance To Pay Out A Private Lender
- $800K in 48 Hours: Working Capital for Freight & Transport Contract
Exploring Second Mortgages
Carefully evaluate your financial situation and repayment ability before considering a 2nd mortgage. It can be a helpful tool, but it’s important to understand the risks and responsibilities involved
5 Key Reasons Why You Should Consider a Second Mortgage Loan for Your Business?
The beauty of 2nd Mortgage Finance lies in its versatility. It can be a strategic solution for a wide range of business scenarios:
- Bridging Cash Flow Gaps: Unexpected expenses, seasonal fluctuations, or delayed customer payments can disrupt your cash flow. Second Mortgage Finance provides readily available funds to cover operational costs, payroll, and other critical expenses, ensuring smooth business continuity without jeopardizing day-to-day operations.
- Fueling Strategic Investments: Growth often requires upfront investment. Second Mortgage Finance empowers you to access capital for crucial investments, such as acquiring new equipment, expanding inventory, or renovating your workspace. These upgrades can significantly enhance your operational efficiency, productivity, and overall customer experience, ultimately driving long-term gains.
- Unlocking Working Capital: Every business needs readily available working capital to cover everyday expenses and seize sudden opportunities. A 2nd Mortgage Finance loan injects the necessary capital into your business, allowing you to capitalize on emerging market trends, invest in marketing initiatives, or bridge the gap between sales cycles.
- Debt Consolidation: Juggling multiple loans with varying interest rates can be an administrative burden and a significant financial strain. Second Mortgage Finance provides an opportunity to consolidate existing debts into a single, manageable loan with a potentially lower interest rate. This simplifies your repayment process, potentially reduces your overall borrowing costs, and provides greater clarity over your financial obligations.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Case Studies & Success Stories
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Frequently Asked Questions
How can we help you?
Yes, a second mortgage can be a strategic way to clear ATO tax debt—especially when the amount owed is in the range of $250,000 or more. If you have equity in your property, a private second mortgage can provide fast access to funds without needing to refinance your primary mortgage. This allows you to settle your tax arrears quickly and avoid further penalties or enforcement action from the ATO, while preserving your existing finance structure.
raditional banks often won’t proceed with refinance applications if there’s an outstanding ATO debt, regardless of the amount—even a $250k balance can block approvals. A second mortgage from a private lender is often used to resolve this issue. By securing a short-term loan against your equity, you can pay off the ATO in full, meet lender conditions, and then proceed with a conventional refinance under cleaner terms. This is a common and effective strategy for business owners and investors.
Secured Lending specialises in financing second 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.
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.
Traditional second 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.
Refinancing a second mortgage is possible, and it can be a great way to secure a better interest rate, lower your monthly payment, or consolidate your debt. Here at Secured Lending, we can help you explore your options.
However, it's important to consider a few things:
Refinancing your second mortgage alone is usually straightforward. But if you want to refinance your first mortgage alongside it we can discuss both options with you.
You'll need sufficient equity in your property to qualify for a refinance on your second mortgage.
Ready to see if refinancing your second mortgage makes sense? Contact us today!
Why Choose Secured Lending?
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Private Business Loan Solutions
Private lending strategies that drive business growth.
