Quick summary:
Loan Type: Second Mortgage Loan
Location: NSW-based commercial client
Loan Amount & LVR: $850,000 at 65% LVR
Problem: Urgent need for capital to secure a business growth opportunity
Solution: Fast turnaround second mortgage used as security to release equity
This is exactly where the strategic use of a second mortgage as security becomes a powerful tool. It allows business owners to unlock the equity in their existing commercial or residential property, often without touching their primary mortgage or disrupting existing finance arrangements. And in many cases, it can mean the difference between capitalising on an opportunity—or watching it vanish.
A $850,000 Lifeline When Time Wasn’t on Their Side
A client in Sydney’s inner west had recently won a significant contract with a national retail chain. The growth potential was immense, but the operational expansion—new staff, upgraded logistics, and stock procurement—needed immediate funding. Their bank showed interest but estimated 6–8 weeks to settle. For this client, that was simply too late.
They approached Secured Lending with a clear but urgent requirement: release capital quickly without disturbing their existing first mortgage. The commercial property they owned had considerable equity, and we swiftly identified that a second mortgage at 65% LVR would unlock the $850,000 they needed.
Because we specialise in short term business finance and operate without the red tape that slows down institutional lenders, we were able to complete the assessment and release funds in under five business days. This allowed our client to initiate the expansion on time, retain their contract, and grow revenue significantly within the quarter.
Three months later, once their bank finalised a long-term refinance solution, they repaid the second mortgage facility without penalty. The short-term loan served its purpose exactly as intended: fast access to capital with a clean exit strategy.
When Traditional Lending Timelines Don’t Match Real Business Needs
You might be wondering: How can I get a business loan using my property as security without waiting months for an answer? That’s exactly what second mortgage loans are designed for.
They’re ideal for situations like:
Bridging cash flow gaps ahead of major revenue
Fast capital for equipment purchases or marketing campaigns
Financing mergers or acquisitions
Restarting stalled projects
What sets them apart is not just the speed of approval but the flexibility in structuring the loan. With terms generally ranging from 1 to 12 months, you gain breathing room and access to liquidity—without committing to a lengthy or overly restrictive facility.
How Secured Lending Structures Second Mortgage Loans
At Secured Lending, we know every client’s situation is different. Our process starts with a deep dive into your asset base, business model, and capital needs. Once we confirm that there’s sufficient equity in a commercial or residential asset, we can structure a second mortgage loan that factors in:
Current market value of the property
Existing encumbrances or first mortgage balance
Purpose and urgency of the funds
Exit strategy: usually refinance or business income
We fund up to 75% LVR depending on the asset and location, and we work directly with borrowers or through brokers. There are no unnecessary forms, no credit scoring hurdles, and no long committee approvals—just clear criteria and fast outcomes.
Unlock Equity Without Refinancing Your Primary Loan
One of the key advantages of using a second mortgage loan is that it doesn’t require touching your existing finance structure. If you’re already locked into a favourable first mortgage with your bank, you can preserve that facility while leveraging additional equity.
That makes it an ideal solution for clients who:
Are mid-way through a bank application but can’t wait for settlement
Need cash urgently for a time-sensitive opportunity
Don’t want to disrupt their relationship with their primary lender
The cost of funds may be higher than traditional finance—but the agility, speed, and ease of access can often justify the trade-off, especially when the return on investment is immediate and measurable.
How Secured Lending Helps Business Owners Move Fast
We specialise in short-term business loans tailored for fast-paced environments. Whether you’re looking at second mortgages, caveat loans, or bridging finance, we focus on getting funds into your hands—fast.
We’ll help you:
Assess equity and eligibility without obligation
Create a loan structure that suits your timeline
Provide indicative terms within hours, not days
Settle funds within 3–5 business days on average
If you’re facing a growth opportunity or a financial bottleneck, and need capital with speed and flexibility, speak to our lending experts today.
Call 1300 795 175 or email info@securedlending.com.au to see how we can help.
