If you manage assets through a discretionary trust or unit trust, there are moments when a second mortgage loan for Trust structures is the practical path to unlock equity without disturbing your first mortgage. At Secured Lending, we’ve advised and assisted borrowers with these Trust structures for years and have facilitated over 200 strategic second mortgages. When timing matters, we can help you move fast with a second mortgage loan for Trust structures. Assess your scenario today.
Why a Second Mortgage Can Suit Your Trust
A second mortgage lets your trust access existing property equity to fund time-sensitive goals while preserving current banking relationships.
Common, Useful Outcomes
- Bridge a purchase or refinance gap without triggering a full bank re-assessment.
- Fund renovations, fit-outs or development soft costs held within the trust.
- Solve an urgent settlement where a first mortgagee won’t extend further.
- Manage distributions or unit holder liquidity without selling core assets.
Key Advantages for Discretionary and Unit Trusts
- Keep control. Borrow at the trust level so the trustee maintains decision-making and timing.
- Speed. Documentation is streamlined, enabling same day settlement or funding within 24 hours where titles and consents are ready.
- Precision. Raise only what you need and for the time you need it.
- Tax and structuring alignment. Maintain the trust’s asset-protection and distribution strategies while accessing capital.
- Lower friction. Avoid cross-collateralising unrelated assets or refinancing long-standing first mortgages.
How It Works in Simple Steps
- We review the trust deed, trustee powers, and any unit holder or beneficiary requirements.
- We confirm property security, existing first mortgage balance, and lender consent process.
- We structure the second mortgage to match your purpose: bridging, working capital, acquisition, or secured business loan at the trust level.
- We coordinate legal documentation and settlement logistics with your conveyancer and accountant.
Eligibility and Security
We lend to discretionary trusts and unit trusts with residential or commercial property as collateral. We don’t accept obscure assets as security. Typical parameters:
- First and second mortgage combined within prudent LVRs.
- Clear exit plan: refinance, sale, distributions, or project cashflow.
- Terms aligned to the event: bridging loans from a few weeks to several months.
Costs, Terms and Transparency
Clarity beats surprises. We price from an interest rate of 11.95%, with terms designed for short-term, outcome-driven use. You can borrow up to $10 million depending on security and serviceability. Where required, we can prioritise urgent or emergency requests when an urgent settlement is at risk.
Private Lender
As a private lender in Australia and non-bank lender, Secured Lending operates across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast and Canberra. Our team handles coordination so your trustee isn’t stuck chasing third parties.
What Makes Second Mortgages Effective for Trusts
- They separate bank relationship risk from opportunity risk.
- They suit trusts managing multiple properties or projects at different stages.
- They work when a first mortgagee declines top-ups due to policy, not merit.
- They allow capital to be drawn quickly and repaid once the event completes.
Where a Second Mortgage Fits Best
- Settlement deadlines where a sale or refinance is pending.
- Acquiring additional units or assets into the trust ahead of distributions.
- Short-term working capital for a trading business held under the trust via secured business loans.
- Pre-development costs before construction finance is finalised.
How We Execute, Reliably
- Fast review of the trust deed and corporate trustee details.
- Clear term sheets that you can send to advisers immediately.
- Same day settlement or funding within 24 hours once conditions are met.
- Coordination with the first mortgagee for consent and priority.
How We Can Help
Secured Lending specialises in short-term second mortgage solutions for discretionary and unit trust structures. We understand you value certainty, speed and control. We handle the technical lift — deed reviews, consents, legal docs — and keep you updated at every step. We’ve facilitated over 200 strategic second mortgages, across acquisitions, bridging loans, renovations and urgent settlement scenarios. If your goal is to move quickly without disturbing long-standing bank arrangements, we can structure a clean, time-bound path to funding. 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
- Can my trust borrow? Yes. Trustees of discretionary and unit trusts can borrow.
- What security is acceptable? Residential or commercial property only; no obscure assets accepted.
- How fast can you settle? Same day settlement and funding within 24 hours.
- What amounts and pricing? Borrow up to $10 million, at interest rate of 11.95%.
- Will my bank be affected? No. Second mortgage sits behind with consent.
