Second Mortgage Loans for Business, Funded Fast

Over 200+ second mortgages facilitated. Unlock equity and access capital.

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 from

$250k to $10M

Rates from

11.95% p.a.

Terms

1 to 24 months

What Is a Second Mortgage Private Loan?

A second mortgage is a loan secured by a second-ranking registered charge over your property, sitting behind your existing first mortgage. As a private lender, Secured Lending takes that second mortgage position, giving you access to the equity you have built up, while your first mortgage stays completely untouched.

You don't need to refinance. You don't need to approach your existing bank. And you don't need to meet the same rigid criteria that block most borrowers from accessing capital through traditional channels. Over 200 second mortgages facilitated across Australia.

Who Uses Second Mortgage Private Finance?

You might be a good candidate if:

•Your existing bank won't lend additional funds against a property that already has a mortgage
•You need capital quickly and can't wait weeks or months for a formal bank process
•You're self-employed, operate through a company or trust, or have income that doesn't fit standard serviceability
•You have ATO debt, a creditor judgment, or an urgent payment obligation that needs to be cleared
•You want to fund business growth without refinancing your first mortgage at a higher rate
•Your bank has declined a refinance because you have outstanding tax debt
•You need to bridge between the sale of a property and the settlement of a purchase
•You're behind on payments and need to consolidate debt before a formal default notice is issued

Key Features

•Flexible loan terms: from 1 month to 24 months
•Fixed interest rates: starting from 11.95% p.a.
•Loan amounts based on equity: not your credit score
•No need to refinance: your first mortgage stays untouched
•Settlement within 24 hours for qualifying applications

Second Mortgage Options for Business Owners With Bad Credit

A second mortgage is often the cleanest answer when credit history is the problem, because your first mortgage stays exactly where it is. We take a second registered mortgage over the property and lend against the equity above the first, to a combined 70% LVR. Defaults and arrears do not block that. Rates start from 11.95% p.a., and no full financials are needed on an asset-backed file.

→What a second mortgage does after a policy decline →Bad credit business loans secured by property

Industries

Industries We Service

Second mortgage finance for property investors

A second mortgage sits behind the first mortgage already on your investment property, which stays exactly where it is. There is no refinance, no discharge of the existing facility, and no break costs on a rate you would rather keep.

It is repaid when the property sells, or by a refinance once the whole position can be restructured. It is the product for an investor holding equity behind a cheap first mortgage that would be expensive to disturb.

A second mortgage can help you:

Release equity without discharging your existing first mortgage
Keep a low first mortgage rate you would rather not lose
Fund a deposit on the next purchase before the current one sells
Avoid break costs on a fixed facility
Borrow behind the first across one title or several
Exit by sale, or by a refinance of the whole position

Private lending for Real Estate and Property Investors

A second mortgage can help you:

Release equity without discharging your existing first mortgage
Keep a low first mortgage rate you would rather not lose
Fund a deposit on the next purchase before the current one sells
Avoid break costs on a fixed facility
Borrow behind the first across one title or several
Exit by sale, or by a refinance of the whole position

Private lending for Real Estate and Property Investors

"Second mortgage lending comes down to understanding the full debt stack, and that is work we enjoy. We look at the first mortgage balance, the combined LVR across both positions, and whether the equity buffer comfortably supports the facility. Where the underlying security is strong and the exit is clear, we can often have funds in place within the same week."

Gino Tabila

Associate Director

Frequently Asked Questions

Yes, and it is one of the most common and effective use cases for second mortgage private finance. Most banks will not refinance a borrower who carries active ATO debt because it creates a priority creditor risk. By using a second mortgage to clear the ATO debt first, you remove that obstacle and can approach your bank from a clean position. Borrowers in this situation often refinance back to mainstream lending within 6–12 months once their tax compliance is restored.

Not necessarily. In many cases the reason a bank says no is the exact reason a private lender can say yes. Banks assess borrowers primarily on income, credit score, and liability profile. Private lenders assess the security property and the exit strategy. If a bank declined you because of ATO debt, irregular income, a trust structure, or a previous credit event, those factors carry significantly less weight with a private lender.

As a general guide, you'll need enough equity in your property to keep the combined LVR across your first and second mortgage at or below 70% for residential and commercial. If your property has appreciated significantly since you took out your first mortgage, you may have more usable equity than you realise.

Secured Lending does not lend to individuals. We only lend to companies, family trusts, unit trusts, and SMSFs subject to compliance requirements.

To get a preliminary assessment, you need very little: a rough idea of your property value, your first mortgage balance, and what you need the funds for. To proceed to formal approval, you'll typically need: a copy of your current first mortgage statement, a recent rates notice or evidence of property ownership, identification documents, a statement of the loan purpose, and details of your proposed exit strategy.

Not directly. The 70% combined LVR ceiling applies to every second mortgage we write, clean file or not. What a poor credit file can change is the rate and the conditions, because the exit carries more weight when the history is untidy. Where your exit is a sale or a refinance already in motion, the pricing usually lands where it would for anyone else.