Second mortgage private finance, settled this week.
Specialists in second mortgage private lending.
Access equity from your property without refinancing your first mortgage. Fast private lending in second position — indicative offer within hours.
For urgent business funding, we can settle within days.
Keep your first mortgage exactly as it is
A second mortgage sits behind your existing loan without touching it. No refinancing, no break costs, no renegotiating rates with your bank. You simply unlock the equity that's already there.
Access equity the bank won't release
Banks are slow to approve equity releases and often won't lend against properties with non-standard features, ATO arrears, or complex ownership structures. We assess the security and the exit — not just a credit score.
Our funds, our decision
We're a non-bank direct private lender. No broker chain, no credit committee in another country. The person assessing your deal is the person authorising the funds.
Short terms with a clear exit
Second mortgage loans run 1–24 months — designed for borrowers who need fast capital now, with a planned exit via sale, refinance, or business cashflow.
Testimonials from our clients.
"I've dealt with a lot of lenders over the years, and this was refreshingly easy. We received a caveat loan, sorted without the usual back-and-forth."
Owner, Import & Export Business
$680k · Caveat loan
"Stuck with tax debt that no one wanted to touch. Gino and his team didn't flinch and got it done."
Managing Director, Construction Company
$1.4M · ATO refinance
"Cashflow was tight and Gino moved fast to work out a bridge. Thanks SL."
Founder, Retail Chain
$420k · Bridging finance
"We were under the pump with suppliers. Secured Lending came through on a Tuesday, money in the account by Friday. Honestly quicker than I expected."
Owner, Small Retailer
$310k · Working capital
Scenarios we fund every week.
If your situation isn't listed, call us. We've probably seen something similar. All loans are for business purposes only, secured against real property.
Access equity without refinancing
Unlock the equity sitting in your property while keeping your existing first mortgage rate and terms completely intact.
ATO / tax debt clearance
Use a second mortgage to refinance an urgent ATO liability — often settled within a week, buying time to restructure.
Cashflow injection
Short-term second mortgage funding to cover a cashflow gap, supplier payment, or working capital shortfall.
Debt consolidation
Roll high-cost unsecured debts into a single second mortgage facility with a clear repayment plan and exit.
Partner buyout or succession
Fund a partner buyout or ownership restructure quickly — without refinancing the entire property.
Bridge to long-term refinance
Use a second mortgage to buy time while a longer-term bank refinance or asset sale is finalised.
Client Success
Every case below represents a business that came to us after being declined or delayed by their bank.
$1.3M second mortgage cleared ATO debt and unblocked a refinance.
$1.3M · ATO Debt · NSW
$2.8M commercial acquisition — liquidator timeline, settled in days.
$2.8M · Commercial · VIC
$5M industrial warehouse — bank said no, we settled it.
$5M · Industrial · SA
$1.1M bridging loan kept a live development on schedule.
$1.1M · Bridging Finance · NSWEnquire today. Funded this week.
1. Tell us about the deal
Submit the 60-second enquiry. We'll review your scenario and come back with more information and an offer — usually the same day.
2. We say yes (or no) fast
No committees, no weeks of waiting. Because we use our own funds and do valuations in-house, we give you a clear answer within hours — not a maybe. If we can't help, we can connect you to another solution.
3. Funds in your account
Docs signed, funds transferred. Most clean deals settle within 24 hours of your first enquiry.
Why businesses prefer Secured Lending.
No need to touch your first mortgage
We lend in second position, leaving your existing first mortgage completely untouched — no break costs, no rate changes, no refinancing headaches.
Decision in hours, not weeks
Indicative offers issued same day. Settlement within 24–72 hours on clean deals. We know your situation often can't wait.
We fund with our own money
No broker chain, no credit committee in another city. The person assessing your deal is the one authorising the funds.
In-house property valuation team
Valuations done in hours, not weeks. We don't queue behind other lenders or wait on external valuers.
$250k to $10M range
We write second mortgage deals that banks and other non-banks consider too complex, too urgent, or too close to enforcement.
Sydney-based — speak to decision-makers
Not a call centre. Not outsourced. You speak directly with the team that can approve and settle your deal.
Funds in 24 hours. Start your enquiry now.
Submit your enquiry or call us directly. Indicative offers issued same day on clean deals.
$250k – $10M · From 11.95% p.a. · Settled in 24 hours
Frequently Asked Questions
Still have questions? Our team is available by phone during business hours.
Call 1300 795 175Loans offered by Secured Lending are strictly for business purposes only. Applications are subject to credit assessment, property valuation, and satisfactory security. Terms, fees and rates vary by deal. Indicative rates from 11.95% p.a., subject to security type, LVR and exit strategy. Second mortgage loans are subject to the consent of the first mortgage lender where required.