If you need a second mortgage loan for ATO arrears, you’re not alone — and you have options. At Secured Lending, we’ve advised and assisted borrowers to clear ATO arrears quickly so they can protect cash flow, finalise transactions, and move forward. We have facilitated over 200 strategic second mortgages. Secured Lending can help you move fast with a second mortgage loan for ATO arrears. Assess your scenario today.
Why Consider a Second Mortgage to Clear ATO Arrears
A second mortgage lets you unlock equity in property you already own to pay the ATO now, while you sort your longer-term finance or asset strategy. It’s practical, direct, and time-efficient.
Key Benefits
- Fast access to funds when timing matters.
- Same day settlement and funding within 24 hours are possible on straightforward scenarios.
- Prevents disruption: pay the ATO before garnishee action or director penalty notices escalate.
- Protects working capital: avoid draining cash reserves needed for operations, investments, or settlements.
- Keeps momentum: meet urgent settlement dates, purchase opportunities, or refinance deadlines.
- Flexible terms: structure interest-only and short durations to match your exit (refinance, sale, or incoming cash flow).
- Confidential and focused: as a private lender solution, there’s minimal red tape.
- Can sit alongside your first mortgage without disturbing existing banking relationships.
When a Second Mortgage Makes Sense
- You have ATO arrears that must be cleared to secure a payment plan, lift a garnishee, or satisfy a refinance condition.
- You’re facing an urgent settlement, stock purchase, or contract timeline and can’t wait for a traditional bank.
- You prefer to use property equity rather than liquidate investments or disrupt other facilities.
- A bank has delayed or declined, but you have a clear exit within months.
- You need an emergency solution while you finalise longer-term funding.
How a Second Mortgage for ATO Arrears Works with Us
- Review: We assess your property equity, first mortgage balance, and ATO position.
- Structure: We propose the loan amount, term, and exit plan (refinance, sale, or cash flow).
- Security: You can leverage residential or commercial property as collateral. We don’t accept other obscure assets as collateral.
- Confirm: We coordinate valuations, legal documents, and first mortgagee consent where required.
- Arrange: We prioritise speed — same day settlement or funding within 24 hours is achievable where documents are ready.
- Set costs and terms: Transparent fees, with pricing scenarios that can include an interest rate of 11.95% depending on risk, security, and term.
- Borrowing capacity: We can help you borrow up to $10 million subject to equity, servicing, and exit feasibility.
Your Likely Exit Options
- Refinance with a bank once financials and tax position are back in order.
- Sale of a property or non-core asset.
- Business cash flow from projects, settlements, or distributions.
Subtleties to Keep in Mind with ATO Arrears
- Timing matters. Paying promptly can reduce penalties and remove pressure such as garnishees.
- Documentation should align. We work with your accountant and adviser so your finance, tax, and refinance plans are consistent.
- Keep it simple. ATO prefers certainty — cleared arrears often unlock better terms from mainstream lenders later.
Private Lender Support, Australia Wide
Private lender advantage: As a Private Lender in Australia and a non-bank lender, we move quickly without the layers you find in traditional banks. We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Whether you need bridging loans, a second mortgage for ATO arrears, or a secured business loan, we coordinate efficiently with your solicitor and accountant to meet urgent timelines. If you’re facing an urgent or emergency request from the ATO or a settlement deadline, we focus on practical steps, not paperwork for its own sake.
How We Can Help
Secured Lending focuses on clear outcomes: pay the ATO, protect your cash flow, and give you time to reset. We listen first, then structure the loan around your exit. We coordinate valuations and documentation, confirm consent with your first mortgagee, and arrange the drawdown. Our team understands transaction pressure and works to the date that matters to you.
What We Bring
- Experience facilitating over 200 second mortgages across a range of scenarios.
- Speed and certainty for urgent settlement events and tax clearances.
- Options that include second mortgage, bridging loans, and secured business loans — all designed to be short-term and outcome-driven.
- Straightforward pricing, with scenarios that can include an interest rate of 11.95% and the ability to borrow up to $10 million subject to assessment.
We have provided strategic lending advice for this in the past, and can help assess your scenario. 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
1) How fast can I clear my ATO arrears?
With documents ready and clear security, we can target same day settlement or funding within 24 hours. If consent or valuation is needed, we’ll sequence steps to hit your deadline.
2) What properties can I use as security?
You can use residential or commercial property. We don’t accept other obscure assets as collateral. The available equity and senior lender position will shape the loan size.
3) Do you operate nationally as a private lender?
Yes. We’re a private lender and non-bank lender operating across Sydney, Melbourne, Brisbane, Adelaide, Perth, Gold Coast, and Canberra.
4) What if my bank won’t consent to a registered second mortgage?
We’ll review alternatives, which may include a consent pathway, refinance timing, or a short-term caveat loan while we progress your end solution.
5) What exit do you prefer after the ATO is paid?
A credible, time-bound exit: refinance to a mainstream lender, property sale, or forecast cash flow from settled projects. We’ll structure the term and repayments around that plan.
