If you’re pursuing a time-sensitive opportunity and want to leverage existing property equity, a second mortgage loan for asset acquisition can be a practical, fast way to move. At Secured Lending, we’ve advised and assisted borrowers with this type of asset acquisition for years and have facilitated over 200 strategic second mortgages. When a window opens to acquire a commercial asset, you often need certainty, speed, and a structure that doesn’t disturb your primary mortgage. That’s exactly where a second mortgage can help. Secured Lending can help you move fast with a second mortgage loan for asset acquisition. Assess your scenario today.
Why Consider a Second Mortgage for Strategic Commercial Asset Acquisition
A second mortgage sits behind your first mortgage on an existing property (residential or commercial). You keep your current bank facility in place and unlock additional capital using available equity. This structure can be well suited to:
- Securing a deposit or balance funds for a commercial property purchase
- Buying high-value equipment or vehicles without depleting trading cash
- Opportunistic stock or asset purchases ahead of peak trading
- Meeting an urgent settlement deadline where bank timing won’t work
- Short-term capital needs while awaiting a refinance, sale, or incoming cash flows
Key Benefits You Can Bank On
- Speed: Second mortgages can be assessed and documented quickly, enabling same day settlement or funding within 24 hours where eligible and documents are in order.
- Minimal disruption: Your first mortgage remains unchanged; we coordinate with your existing lender for consent where required.
- Flexibility: Terms and repayment structures can align with your exit (sale, refinance, or cash inflows).
- Capital efficiency: Preserve working capital for operations while the asset finances itself over the short term.
- Targeted leverage: Deploy equity only where it earns a return, rather than refinancing your entire first mortgage.
How It Works in Practice
- We review your property equity, the asset you’re acquiring, and your exit plan.
- We structure a second mortgage behind your current lender and confirm documentation needs early.
- On approval, we coordinate legals and settlement so you can proceed with confidence.
- Many clients choose interest-only with interest capitalised during the term to reduce cash flow drag while the asset ramps up.
Costs and Terms, Explained Simply
Your pricing reflects risk, security position, and term. Our second mortgage options include an interest rate of 11.95%, subject to assessment and documentation. Fees are transparent and discussed upfront. Typically, borrowers pair a short term with a clear exit (sale, refinance, or business cash flows). If you need bridging loans to cover a brief gap to an expected event, we’ll structure for that outcome.
Private lender: National Reach, Non-Bank Flexibility
As a private lender and non-bank lender in Australia, we operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. That means streamlined processes, practical underwriting, and the ability to prioritise urgent or emergency timelines without the delays common in larger institutions. If your deal requires urgent settlement and certainty, we’ll coordinate what’s needed to keep your timeline intact.
Where a Second Mortgage Shines for Asset Acquisition
- Commercial property purchases where vendors expect fast contracts and a clean settlement
- Equipment upgrades that unlock output or margin improvements
- Stock or IP acquisitions that require discretion and speed
- Renovations or value-add works that lift rental or resale value
- Short-term capital stack gaps in a broader transaction where timing matters
Why Secured Lending
We specialise in short-term, secured business loans that solve for pace and practicality. Our process is direct:
- Review: We map your equity and confirm feasibility early.
- Structure: We align terms with your exit and risk profile.
- Coordinate: We liaise with your first mortgagee to keep things moving.
- Confirm: We push to same day settlement or funding within 24 hours where the file is ready.
- Arrange: We handle the details so you can focus on the acquisition.
Additional Points You’ll Value
- Borrow up to $10 million against suitable residential or commercial property security
- We accept residential or commercial property as collateral; we don’t accept obscure assets as security
- We support bridging loans, second mortgage, and other secured business loan options designed for short-term commercial needs
- We operate with calm urgency; if it’s urgent, tell us your deadline and we’ll plan to it
How We Can Help
If you’re evaluating an asset acquisition and want a clean, fast pathway to capital, we’re ready to step in. We’ll assess your equity position, confirm a workable structure, and coordinate the documents for an efficient, low-friction settlement. Our role is to reduce noise, keep stakeholders aligned, and get funds to you on time so you can secure the opportunity and focus on execution. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
How quickly can a second mortgage settle?
Where documents are ready and stakeholders are responsive, we can achieve same day settlement or funding within 24 hours. Complexity, titles, and first mortgagee consent can affect timing, so we plan for your deadline from day one.
What security can I use?
You can leverage residential or commercial property you own with available equity. We don’t accept obscure assets as collateral.
Will this affect my first mortgage?
Your first mortgage stays in place. We take a subordinate position and, where needed, obtain consent from your first mortgagee so the structures align.
What’s a typical exit strategy?
Common exits include refinance to a longer-term product, sale of an asset, or repayment from project or business cash flows. We’ll structure the term to match your exit.
How much can I borrow and what will it cost?
You can borrow up to $10 million, subject to assessment. Pricing includes an interest rate of 11.95% and transparent fees. We’ll confirm total costs and options before you proceed.
