If you’re considering a second mortgage loan for Corporate entities, you likely want speed, certainty, and a lender who understands group structures. At Secured Lending, we’ve advised and assisted borrowers in Corporate entities across Australia and have facilitated over 200 strategic second mortgages. When a time-sensitive opportunity or deadline lands on your desk, we help you move fast, keep control of your first mortgage, and unlock capital without reshaping your entire debt stack. Secured Lending can help you move fast with a second mortgage loan for Corporate entities. Assess your scenario today.
What is a Second Mortgage and When Does It Make Sense?
A second mortgage is a secured loan that sits behind your primary mortgage over the same property. You use the available equity to raise funds for corporate or group needs without disturbing your existing bank facility. It suits short to medium-term requirements such as urgent settlement on an acquisition, bridging loans between contracts, working capital for a growth push, clearing an ATO event, or releasing funds to meet a covenant or board-driven deadline.
Why Corporate Entities Use Second Mortgages
- Speed and certainty: Move quickly on strategic transactions with same day settlement or funding within 24 hours when documentation and valuation are in place.
- Keep your first mortgage intact: Avoid lengthy bank recredit processes, re-pricing, or cross-default risks.
- Lower friction than equity: Retain ownership and control while you execute your plan.
- Purpose-built flexibility: Capitalise interest, draw in tranches, or structure around project milestones so cash flow stays predictable.
- Group outcomes: Direct funds to where they create impact—subsidiary expansion, intercompany refinancing, or timely distributions—without redrawing your primary facility.
Common Use Cases
- Acquisition deposits and completion bridging for corporate and group entities.
- Contract and construction timelines, including variations that require quick capital.
- Stock purchases and seasonal inventory builds ahead of peak periods.
- Equipment upgrades that can’t wait for bank credit cycles.
- Refinancing residual fit-out costs or retiring short-term trade lines.
- Managing a one-off tax or compliance event without disrupting operations.
Collateral We Accept
With Secured Lending, you can leverage residential or commercial property as collateral/security. We don’t accept other obscure assets as collateral. Security can be held by the trading company, a property SPV, or related entities within your group. We often coordinate intercompany guarantees and consents so the facility reflects the actual flow of funds.
How Much Can You Access?
Subject to equity, valuation, and exit strategy, you can borrow up to $10 million under a second mortgage. We assess the stability of the first mortgage, your intended use of funds, and your repayment path, whether that’s refinance, asset sale, or cash flow.
Private Lender Advantage
As a private lender in Australia, we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender. That means streamlined credit, direct decision-makers, and documentation aligned to commercial realities. For urgent or emergency needs, we prioritise clear terms, pragmatic due diligence, and coordinated settlements with your first mortgagee. Our team is set up for urgent settlement, including valuations and legals arranged in parallel to compress timeframes.
Pricing, Terms, and Structure
We provide transparent pricing, with options that include an interest rate of 11.95% depending on risk, term, and security position. Terms typically range from three to eighteen months, with options to capitalise interest, provide interest-only periods, and allow early repayment. Facilities can be structured as secured business loan or a dedicated second mortgage line restricted to your nominated purposes. Fees and conditions are outlined upfront so your board and advisors can sign off quickly.
Our Process and Timelines
- Review and indicative terms: Share your scenario and security details. We issue an outline the same day where possible.
- Valuation and due diligence: We arrange valuation and confirm title, encumbrances, and consents.
- Legal documentation: Drafting runs in parallel with valuation to save time.
- Coordination with your first mortgagee: We obtain any required consent and settle in a controlled sequence.
- Settlement and draw: For well-prepared files, we can achieve same day settlement or funding within 24 hours.
Risk, Governance, and the Exit
Every second mortgage needs a clear, workable exit. We help you map that path early—refinance back to a bank, asset sales, or operational cash flow—so your board has confidence and your finance team has clarity. Regular check-ins, milestone-based draws, and straightforward reporting keep the facility predictable.
How We Can Help
At Secured Lending, we focus on outcomes: fast, reliable funding that respects your first mortgage and your time. We understand group structures, director guarantees, intercompany flows, and board approval processes. We work alongside your CFO, advisors, and lawyers to structure the right facility, coordinate stakeholders, and deliver to your timeline. We’ve 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. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
Can a second mortgage sit behind multiple first mortgages across a portfolio?
Yes. We can take second position on one or more properties within your portfolio, provided titles, consents, and equity support the facility.
Do you lend to holding companies and subsidiaries within group entities?
Yes. We regularly fund corporate and group entities. We align guarantees and borrower/SPV structures to match cash flows and the purpose of funds.
What assets can secure the loan?
Residential or commercial property only. We don’t accept other obscure assets as collateral.
Will early repayment reduce total interest cost?
Generally yes. Where interest isn’t fully capitalised, early payout reduces interest. If interest is capitalised, you can still repay early, subject to standard discharge costs.
Can a second mortgage fund bridging loans for acquisitions or construction?
Yes. It’s common to use a second mortgage for bridging loans, including acquisition deposits, completion funds, and contractor progress payments.
