Low Cost Second Mortgage Private Loans
Short-term second mortgage funding without the bank delay
Experts in strategic, short-term finance
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
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
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
"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
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Are you a broker? Find out why brokers love working with us.
Scenarios We Can Help With
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