If you’re completing an equity buy-in or managing an ownership change, a second mortgage loan for Buy-in funding can deliver the speed and certainty you need without disturbing your primary facility. At Secured Lending, we’ve advised and assisted borrowers with this Buy-in funding many times and have facilitated over 200 strategic second mortgages. Secured Lending can help you move fast with a second mortgage loan for Buy-in funding. Assess your scenario today.
What is a second mortgage for a buy-in?
A second mortgage for a buy-in is an additional loan secured against property you already own, sitting behind your first mortgage. You retain your existing bank relationship and rates, while unlocking equity to complete a partner buy-in, management buy-in, or shareholder restructure. This keeps your refinance optional, not mandatory.
Why consider it for equity buy-ins or ownership changes
- Speed and control: Act on a time-sensitive opportunity, meet an urgent settlement date, or align with a negotiated completion schedule.
- Keep your bank settings: Avoid a full refinance, credit reassessment, or cross-collateral changes right before completion.
- Preserve liquidity: Fund the buy-in without draining working capital or investment reserves.
- Flexible exit: Repay via refinance, dividend distributions, capital call, profit share, or asset sale after the transaction stabilises.
- Simple, project-focused structure: Interest-only, short-term, designed to bridge a specific event.
Real scenarios we regularly fund
- Partner admissions for professional firms (medical, legal, accounting) where settlement dates are fixed.
- Management buy-ins and vendor-financed acquisitions where a gap appears late in due diligence.
- Family business successions that need bridging between contract exchange and final bank refinance.
How it works with Secured Lending
- Security: Borrowers can leverage residential or commercial property as collateral/security; we don’t accept other obscure assets as collateral.
- Coordination: We work with your solicitor, accountant, and, where required, the first mortgagee for consent.
- Process: Review, structure, coordinate, confirm, arrange. We keep steps clear and paperwork lean.
- Timing: We prioritise urgent and emergency requests and can arrange same day settlement or funding within 24 hours when documentation is in order.
- Scale: You can borrow up to $10 million, subject to equity and verification.
Pricing and terms
We structure straightforward, short-term secured business loan solutions for buy-ins and ownership changes. Expect interest-only repayments with an interest rate of 11.95%, plus standard establishment and legal costs. Terms are aligned to your exit plan so you’re not locked in longer than needed.
Private Lender, Australia wide
As a private lender and non-bank lender, Secured Lending operates Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Fast, practical options when timing matters. We streamline bridging loans and buy-ins from term sheet to settlement.
What makes a second mortgage effective for buy-ins
- It respects your existing debt stack.
- It isolates transaction risk to a defined amount and timeframe.
- It strengthens your negotiating position by proving funds are ready.
Your exit options
- Refinance to a long-term facility post-integration.
- Use dividends or profit distributions once the new ownership is bedded in.
- Time a non-core asset sale on your terms, not under pressure.
Why Secured Lending
We’re focused on outcomes, not paperwork. Our team understands deal timetables, completion conditions, and consent processes. We communicate early, set clear milestones, and keep you updated so nothing drifts. We’ve facilitated over 200 strategic second mortgages specifically for Buy-in funding and ownership realignments, and we’re ready to do the heavy lifting so you can focus on the deal.
How We Can Help
Share your timeline and security, and we’ll assess your scenario, outline options, and confirm the most direct path to settlement. We can mobilise quickly for urgent settlement, coordinate stakeholders, and structure a repayment plan that fits your exit. 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. We have provided strategic lending advice for this in the past, and can help assess your scenario.
FAQs
1) How fast can I complete a buy-in with a second mortgage?
With documents ready and consent, we can achieve same day settlement or funding within 24 hours.
2) What security do you accept?
We accept residential or commercial property in Australia. We don’t take obscure assets as collateral.
3) Will my bank be affected?
Your existing first mortgage remains in place; we obtain consent as needed so the second mortgage sits behind it.
4) What if my plans change?
You can refinance or repay early; we’ll outline any costs upfront so you can decide with confidence.
5) Is a second mortgage my only option?
Not always. Depending on timing and exit, bridging loans or other secured business loans may suit. We’ll review and confirm the right structure for your goals.
