Low Cost Second Mortgage Loans, Funded Fast

Short-term second mortgage funding without the bank delay

Experts in strategic, short-term finance

Rated 5 out of 5Jason Vergara

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans

Up to $2M

Rates from

11.95% p.a.

Terms

1 to 3 months

Product Overview

Term	Interest Rate (p.a.)	Security	Amount up to	LVR	Loan Processing Fee	Loan Management Fee (p.m.)
1 month	11.95%	2nd mortgage	$2M	65%	1.75%	0.15%
2 months	12.95%	2nd mortgage	$2M	65%	1.75%	0.15%
3 months	13.95%	2nd mortgage	$2M	65%	2.20%	0.187%

Key Features

•Purpose-built for flexibility: designed to get you in and out fast
•Terms from 1 to 3 months only
•Second mortgage only, maximum 70% LVR (combined first plus second)
•Loan amounts up to $2,000,000
•Fast assessment and settlement
•The shorter your term, the less you pay in total interest

Who Is This For?

•Borrowers who need quick funds to finalise a settlement or refinance
•Business owners bridging a short-term cash flow gap
•Clients covering urgent expenses such as tax bills or supplier payments
•Brokers with time-critical scenarios where bank approvals take too long

Important Notes

•Exit strategy is critical: this is a short-term product and not intended for long-term use
•Borrowers must have a clear refinance or sale pathway in place
•Your existing first mortgage holder must consent to a second mortgage being registered

Low Cost Second Mortgages for Borrowers With Bad Credit

The cheapest way out of a credit problem is usually the shortest loan, not the lowest headline rate. A second mortgage over property held for one to three months keeps the total interest small, and the assessment rests on the combined equity inside 70% LVR rather than on your file. Pricing starts at 11.95% p.a., tiering to 12.95% at two months and 13.95% at three.

→Clearing arrears with a short second mortgage →Bad credit business loans and what they cost

Industries

Industries We Service

Low cost second mortgage loans for retailers

When a retailer needs capital quickly, the facilities on offer are usually a merchant cash advance that takes a slice of every day's takings, or an unsecured line priced for the fact that nothing stands behind it. A second mortgage over a director's property is secured, and it is priced accordingly.

It is repaid out of the season the money was raised for. The security is what makes it cheap, and a lower loan to value ratio with a clear exit is what makes it cheaper still.

A low cost second mortgage can help you:

Fund stock without a merchant advance taking a daily cut
Borrow against property instead of against future card sales
Replace an unsecured line priced for having no security
Improve the rate by lending at a lower loan to value ratio
Get a sharper rate where the exit is a banked trading season
Stop paying an unsecured premium on money you can secure

Private lending for Retail

It is repaid out of the season the money was raised for. The security is what makes it cheap, and a lower loan to value ratio with a clear exit is what makes it cheaper still.

A low cost second mortgage can help you:

Fund stock without a merchant advance taking a daily cut
Borrow against property instead of against future card sales
Replace an unsecured line priced for having no security
Improve the rate by lending at a lower loan to value ratio
Get a sharper rate where the exit is a banked trading season
Stop paying an unsecured premium on money you can secure

Private lending for Retail

"Second mortgage pricing is driven by the combined LVR across the full debt stack and the quality of the exit. Where the title information is clean, the combined LVR sits under 70%, and the repayment timeline is well defined, we are able to offer the most competitive terms in this product category, and we are happy to show how the pricing comes together."

Gino Tabila

Associate Director

Frequently Asked Questions

A short-term second mortgage is a secured loan taken against the equity in your property, sitting behind your primary mortgage. Unlike a standard home or investment loan, it's designed for a short window, often 3 months or less, so you can access funds quickly without committing to a long repayment term.

In urgent cases, approval and settlement can happen within a few days, provided valuation, security checks, and documentation are in order. This speed makes them ideal for bridging finance, covering time-sensitive expenses, or seizing an investment opportunity.

The main advantage is cost. With a shorter term, you'll pay less in total interest. These loans are designed to be an in-and-out solution, covering an immediate funding gap until a property sale, refinance, or other cash event is completed.

They're highly flexible. Common uses include bridging between property settlements, paying suppliers, funding renovations before a sale, covering seasonal business expenses, or seizing a quick investment deal.

Most borrowers exit the loan through a planned refinance, property sale, or incoming funds from another source. It's important to have a clear exit strategy before taking out the loan to avoid unnecessary extensions or penalties.

Yes, your current mortgage holder must consent to a second mortgage being registered on your property. Experienced lenders and brokers can manage this process quickly so it doesn't delay settlement.

It is a fair question and the answer is usually no. Consent to a second mortgage turns on the equity position and the terms of the first loan, not on your credit report. Where a first mortgage lender does push back, it is more often about arrears on their own facility than about anything listed on a bureau file. We manage that process for you.