Secured Lending specialises in arranging a second mortgage loan for Non-bank funding when timing and flexibility matter. We’ve advised and assisted borrowers with this Non-bank funding for years and have facilitated over 200 strategic second mortgages across Australia. If you want a clear path to capital without disturbing your first mortgage, we can help you move priority items forward. Secured Lending can help you move fast with a second mortgage loan for Non-bank funding. Assess your scenario today.
Why Consider a Second Mortgage Outside Bank Channels
A second mortgage can unlock equity you’ve already built without refinancing your first position. It suits time-sensitive plans where traditional banks are slow or inflexible.
- Speed and certainty: We can coordinate same day settlement and funding within 24 hours for straightforward files, supporting an urgent settlement or auction deadline.
- Keep your bank in place: No need to break fixed terms or reset long bank processes.
- Flexible use: Cover cash flow gaps, progress renovations, complete a development stage, acquire stock, upgrade equipment, or secure a time-limited opportunity.
- Short-term tool: Set a defined term that matches your exit strategy, then clear the loan from a sale, refinance, or business receipts.
- Pragmatic assessment: Focus on equity, purpose, and repayment source rather than box-ticking.
- Protect relationships: Maintain your first mortgage history while you execute a specific plan.
How Second Mortgages with Non-bank Funding Typically Work
- Security: You can leverage residential or commercial property as collateral; we don’t accept other obscure assets as collateral.
- Amounts: Advance based on conservative loan-to-value, property type, and location.
- Terms: Usually 1–24 months, interest can be serviced or capitalised to preserve cash flow.
- Costs: Priced for speed and flexibility, with transparent fees disclosed up front.
- Process: We review your scenario, confirm equity and exit, order valuation if needed, and arrange documents and settlement.
- Outcomes: Used alongside bridging loans or a secured business loan to create the right structure for your goals.
Private Lender, Australia-wide
As a private lender in Australia and a non-bank lender, Secured Lending operates nationally — Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. If your priority is fast access to capital, our team can coordinate urgent steps so you don’t miss windows. We’re a private lender that understands commercial realities: sometimes an emergency opportunity can’t wait for a committee meeting. Whether you need a second mortgage behind a bank first, or a short gap facility, we can align the loan to your timeline.
Pricing and Loan Sizes
We provide straightforward pricing, including an interest rate of 11.95% on selected scenarios, subject to assessment, security, and term. Depending on equity and location, you can borrow up to $10 million. We’ll confirm the likely rate, fees, and total cost before you commit, and structure the repayments around your exit.
Typical Scenarios We Support
- Settling a purchase while bank refinance is pending.
- Completing construction or subdivision works ahead of presales.
- Injecting working capital to secure stock, contracts, or equipment.
- Managing tax or GST obligations while preserving liquidity.
We have provided strategic lending advice for this in the past, and can help assess your scenario with care, fast.
How We Can Help
Secured Lending reviews your objectives, structures the second mortgage around your exit, coordinates valuation and legal work, and confirms funding so you can move with confidence. We communicate clearly, keep paperwork light, and arrange settlement to meet your timeline. If you’re weighing options, we’ll map side-by-side scenarios and help you choose the one that protects your first mortgage and delivers the cash you need. 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
When is a second mortgage better than refinancing?
When you need speed, want to keep your bank terms intact, or only need funding for a defined period. It’s often cleaner to add a focused second mortgage than to overhaul your entire facility.
How fast can settlement happen?
For simple files with clear equity and a firm exit, we can target same day settlement and funding within 24 hours to meet an urgent settlement or contract deadline.
What documentation will I need?
Basic ID, evidence of first mortgage balance, rates notice, lease or income summary if relevant, and a clear exit plan. We’ll guide you and only ask for what’s necessary.
What can I use as security?
Residential or commercial property in Australia. We don’t accept plant, crypto, collectables, or other obscure assets as collateral.
How do repayments work?
Choose serviced interest or capitalised interest to preserve cash flow. We’ll set the term to match your exit and keep the structure simple.
