Fast finance is often the difference between securing a deal and missing it. If you’re facing a timing mismatch — funds arriving after a purchase, settlement, tax payment, or supplier deadline — a second mortgage loan for Timing gap can bridge that window without disturbing your primary loan. At Secured Lending, we’ve advised and assisted borrowers through this Timing gap many times and have facilitated over 200 strategic second mortgages. If your priority is speed, certainty, and minimal disruption, we can help you move fast with a second mortgage loan for Timing gap. Assess your scenario today.
What a Second Mortgage Does in a Timing Mismatch
A second mortgage sits behind your first mortgage on the same property. It gives you short-term capital to meet an immediate need, then you clear it when proceeds land — from a sale, refinance, receivables, or a planned liquidity event. You keep your existing bank facility in place, you avoid resetting long-term terms, and you gain targeted capital to cover the gap.
Why Consider a Second Mortgage for a Timing Gap
- Speed and certainty: Purpose-built for fast decisions and fast funding, including same day settlement and funding within 24 hours when the file is ready.
- Preserve your primary loan: No need to refinance your first mortgage or disturb a sharp bank rate.
- Fit-for-purpose structure: Tailor the loan term to the expected inflow — weeks or months, not years.
- Cashflow friendly: Interest can be capitalised, so no monthly strain while you complete the transaction.
- Competitive and transparent pricing: Clear costs from day one, including an interest rate of 11.95% in qualifying scenarios.
- Scale when needed: You can borrow up to $10million subject to security and exit strategy.
- Straightforward security: Residential or commercial property as collateral; we don’t accept obscure assets, keeping documentation and assessment focused.
Real-World Uses We See Every Week
- Short bridge to settle a new property while your sale completes.
- Fast acquisition of stock, plant, or materials to secure margin and supply.
- Deposits or completion funds on a development or investment property.
- ATO or supplier payments timed ahead of receivables or a refinance.
- Tactical upgrades or renovations that lift value ahead of a refinance or sale.
- Consolidating smaller business obligations so you can negotiate from a stronger position.
How We Structure a Second Mortgage for a Timing Gap
We start with your timeline and exit: what’s due, what’s incoming, and when. Then we structure only the capital you need, secured against your residential or commercial property, with a clean path to discharge at the known liquidity event. Our team coordinates with your first mortgagee, confirms consents and priorities, and manages the legal work so settlement is as quick as your documentation allows. Where appropriate, we align the loan with secured business loan strategy or bridging loans to match your purpose, while keeping the process practical and direct.
The Benefits in Practice
- You act on an urgent opportunity without waiting on slow credit cycles.
- You meet an urgent settlement obligation and avoid penalties or contract risk.
- You retain control: same bank on first, second mortgage for the short gap, clear exit pre-agreed.
- You reduce noise: one focused facility designed to solve a specific timing problem.
Private Lender, Australia Wide
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. As a private lender, we prioritise streamlined assessment, plain-English terms, and rapid execution so you can make confident decisions under time pressure.
What to Expect from Us
- Direct assessment: We review security, the timing gap, and exit with you.
- Clear terms: Documented costs and conditions up front, including where an interest rate of 11.95% may apply.
- Fast execution: We coordinate with your solicitor, your bank, and any stakeholders for urgent settlement.
- Practical support: If your exit is a refinance or sale, we help align timing so the loan closes cleanly.
Eligibility and Security
We lend against residential or commercial property you own. We do not accept obscure assets as collateral. We assess loan size, term, and pricing on security position, equity, and certainty of exit — not on generic tick-boxes that slow you down.
How We Can Help
If a transaction is sound but the money arrives a little late, a second mortgage may be the cleanest solution. We’ve provided strategic lending advice for this in the past and can assess your scenario quickly. Whether the need is urgent or an emergency, we’ll structure a practical solution, coordinate the stakeholders, and aim for same day settlement or funding within 24 hours where documentation is ready. 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 I settle?
Where documentation is ready and consents are straightforward, we can achieve same day settlement, with funding within 24 hours in many cases.
2) Will my bank be affected?
Your first mortgage stays in place. We take a registered second mortgage and coordinate with your bank to ensure priorities and consents are properly documented.
3) What security do you accept?
We accept residential or commercial property as security. We don’t accept other obscure assets as collateral.
4) What loan size and term can I expect?
Depending on equity and exit, you can borrow up to $10million. Terms are short and aligned to your liquidity event, often a few weeks to several months.
5) How is pricing set?
Pricing reflects risk, term, and position behind the first mortgage, with a clear schedule of fees and an interest rate of 11.95% available in qualifying scenarios. We’ll confirm all costs upfront so there are no surprises.
