If you’re looking to turn dormant equity into active capital, a second mortgage loan for Investment leverage can help you move decisively without disrupting existing facilities. At Secured Lending, we’ve advised and assisted borrowers with this investment leverage for years and have facilitated over 200 strategic second mortgages. We specialise in clear structures, practical timelines, and rapid execution. When the opportunity is time-sensitive, Fast matters. Secured Lending can help you move fast with a second mortgage loan for Investment leverage. Assess your scenario today.
What a Second Mortgage Is—and Why Investors Use It
A second mortgage sits behind your primary loan and uses your available equity as security. You keep your first mortgage in place, and we register a second charge. You access capital without selling assets or refinancing your whole position.
How It Enhances Returns
- Leverage your equity: Put underused equity to work in a deal that outperforms your cost of capital.
- Preserve liquidity: Maintain cash buffers for other commitments and contingencies.
- Move quickly: Secure an asset, fund value-adding works, or bridge a timing gap while long-term finance is arranged.
- Maintain relationships: Keep your first mortgage untouched if it’s working well.
- Match funding to outcomes: Short to medium terms align with acquisitions, renovations, DA uplift, stock purchases, or business opportunities.
Where a Second Mortgage Can Be Effective
- Acquiring an investment property at discount when speed wins the deal.
- Funding improvements that lift value or rental yield before refinancing.
- Bridging to a refinance or sale when settlement dates don’t line up.
- Providing working capital for a project or business initiative with defined milestones.
- Managing an urgent settlement or emergency cash need without selling assets under pressure.
- Consolidating short-term costs while a longer-term strategy completes.
Benefits in Plain Terms
- Speed: Same day settlement is possible on clean files, with funding within 24 hours where documents and valuations are ready.
- Flexibility: Use proceeds for property, business, or project-driven needs, including bridging loans and secured business loan needs.
- Control: Keep your existing bank facility; we slot in behind it.
- Scale: Borrow up to $10 million subject to equity, serviceability, and exit strategy.
- Clarity: Defined terms, interest-only options, and clear exit plans reduce noise and keep you focused.
Costs, Risks, and What to Consider
Second mortgages are secured and typically shorter-term. They carry a higher cost than senior debt because they rank second. At Secured Lending, you can expect an indicative interest rate of 11.95%, with total pricing dependent on security, term, and risk. Key considerations include:
- Equity position: Total LVR across both loans must be sensible for the asset and market.
- Exit: Sale, refinance, or project cash flows—confirm the path and timeline upfront.
- Term: Choose a term that matches the event that repays the loan.
- Documentation: First mortgagee consent, current rates, insurance, leases (if applicable), and ID need to be in order.
Private lender: Australia-wide Reach, Built for Speed
As a private lender in Australia, we operate nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and we’re a non-bank lender. That means direct decision-makers, streamlined credit, and practical security structures. We prioritise urgent settlement, and we commonly arrange same day settlement with funding within 24 hours when requirements are met. Whether you’re using a second mortgage to secure a property, tidy a timing mismatch, or fund a project round, we coordinate quickly and keep it simple. We also provide bridging loans and secured business loans alongside second mortgage solutions, tailored to your specific exit and timelines.
How We Structure Second Mortgages for Investment Leverage
- Review: Confirm equity, first mortgage balance, and total exposure.
- Structure: Align term and repayments with your intended exit.
- Coordinate: Obtain first mortgagee consent and valuation (or rely on recent, where suitable).
- Confirm: Finalise pricing and documents; ensure the borrower, solicitor, and lender are in sync.
- Arrange: Settle funds to meet your deadline and reduce friction in your broader plan.
Security We Accept
You can leverage residential or commercial property as collateral/security. We don’t accept other obscure assets as collateral. Clear, real property security keeps costs and timing predictable.
How We Can Help
You want certainty, options, and speed—without noise. We deliver a disciplined process, decisive timelines, and a funding pathway that matches your investment leverage goals. With over 200 strategic second mortgages facilitated, we understand how to structure around real-world constraints, coordinate stakeholders, and settle quickly so you can capture the upside. If you need a straight second mortgage, bridging support, or a short-term facility while a refinance completes, we’ll size the loan to your equity, lock in a practical exit, and move fast. 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 quickly can a second mortgage settle?
With clean documentation and consent in place, same day settlement is achievable. We regularly provide funding within 24 hours for urgent files.
2) What can I use the funds for?
Common uses include acquisitions, renovations, DA costs, business working capital, and bridging loans. We focus on investment-grade purposes with a clear exit.
3) What security do you accept?
Residential and commercial property Australia-wide. We don’t accept other obscure assets as collateral.
4) How much can I borrow and at what cost?
Depending on equity and exit, you can borrow up to $10 million. Pricing typically includes an interest rate of 11.95% plus fees that reflect risk, term, and complexity.
5) What exit strategies are acceptable?
Sale of an asset, refinance to senior debt, or defined project cash flows. We confirm feasibility upfront to reduce risk and keep your timeline on track.
