⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Second Mortgage Finance
Over 200+ second mortgages facilitated Australia wide. Unlock equity and access capital.
Complex lending and strategic finance specialists.
- Finance within 24 hours
- Loans of $250k to $10 Million
- Rates from 11.95% p.a
- 1-24 months terms
Leverage equity. Protect your first mortgage. Move your business forward.
When your business needs funding, but your first mortgage is already in place — a second mortgage lets you access the equity you’ve built without disrupting your existing loan. We specialise in secured business loans.
At Secured Lending, we offer second mortgage finance designed specifically for Australian business owners. We have facilitated over 200 second mortgages across Australia. Whether you need working capital, funding for expansion, or help managing short-term cash flow — we’ll help you unlock what you already own.
What Is a Second Mortgage?
A second mortgage is a loan secured against your residential property or commercial property, ranking behind your first mortgage. It allows you to access equity without refinancing your current facility.
It’s ideal for business owners who need fast access to capital but don’t want to touch their first mortgage. Key features include:
Flexible loan terms — from 1 month to 24 months
Fixed interest rates — starting from 11.95%
Loan amounts based on equity — not your credit score
No need to refinance — your first mortgage stays untouched
Our Second Mortgage Success Stories
Read our recent success stories of Second mortgages:
- $4.741M Second Mortgage Helps Client Settle on Prime Sydney Property
- $3M Urgent Second Mortgage Loan Funded
- $5.7M Successful Blended Loan
- $300K Second Mortgage Delivered Urgent Capital within 4 days
- $1.4M Second Mortgage Loan Rescued a Delayed Luxury Development
- $850,000 Second Mortgage That Fuelled a Business Expansion
- $500,000 Second Mortgage Helped Fulfil a Contract on Time
- $300,000 Second Mortgage Supported a Small Business Restructuring and Rescue
- $800K Second Mortgage Tax Debt Loan Helped Save a Multi-Property Refinance in Pyrmont
- $3.5M First and Second Mortgage in Cronulla
- $1.2M Second Mortgage Approved in 24 Hours
- $3 Million Loan Funded: Short Term Finance To Pay Out A Private Lender
- $800K in 48 Hours: Working Capital for Freight & Transport Contract
Exploring Second Mortgages
At Secured Lending, we are the specialists in second mortgages for strategic business growth. Contact our friendly team to chat through your options today. We can move fast and facilitate second mortgage finance within 24 hours.
Case Studies & Success Stories
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Frequently Asked Questions
How can we help you?
Business owners use second mortgage loans to:
Cover payroll during tight periods
Fund equipment or vehicle purchases
Settle outstanding tax debts with the ATO
Pay off urgent supplier invoices
Invest in marketing, digital systems, or stock
Renovate or upgrade their business premises
Consolidate short-term business debts
Bridge gaps in cash flow due to late-paying clients
Respond to emergencies like equipment breakdowns or disasters
Refinance and avoid foreclosure
Fund growth or expansion without waiting on bank approval
Yes, a second mortgage can be a strategic way to clear ATO tax debt—especially when the amount owed is in the range of $250,000 or more. If you have equity in your property, a private second mortgage can provide fast access to funds without needing to refinance your primary mortgage. This allows you to settle your tax arrears quickly and avoid further penalties or enforcement action from the ATO, while preserving your existing finance structure.
Absolutely. If you have sufficient equity in your property, a second mortgage can be used to raise $1 million or more to pay off ATO tax liabilities. This option is particularly useful for business owners facing urgent deadlines or refinance delays due to tax arrears. A private second mortgage allows you to access funds quickly—often within days—without disrupting your primary loan. Once
Traditional banks often won’t proceed with refinance applications if there’s an outstanding ATO debt, regardless of the amount—even a $250k balance can block approvals. A second mortgage from a private lender is often used to resolve this issue. By securing a short-term loan against your equity, you can pay off the ATO in full, meet lender conditions, and then proceed with a conventional refinance under cleaner terms. This is a common and effective strategy for business owners and investors.
Secured Lending specialises in financing second mortgages up to $10 million. We understand that not all needs are created equal, and our minimum loan amount is $250,000. To determine the maximum loan amount for your specific situation, we'll consider the available equity in your real estate asset. Have a look at our Product Matrix for more details on our loan options.
Short-term value movements generally do not impact the loan unless you are seeking to refinance or extend. Lenders focus on value at origination and the agreed loan term. If refinancing later, updated valuations will apply, which is why conservative initial structuring matters.
A second mortgage is often the better choice when you want:
Larger loan amounts
Lower cost than unsecured lending
Faster approval than bank finance
Capital tied to a tangible asset rather than cash flow alone
For borrowers with usable equity, it is often the most efficient risk-adjusted option.
We understand the process of looking for finance can be extensive and confusing.
We aim to make the application process with Secured Lending as simple as possible, that’s why we have summarised below the high-level information we require to complete our initial assessment.
Check out our Application Guide on the typical information we need to assess your scenario.
Traditional second mortgages can be bogged down by slow valuations and approvals from your first mortgage lender. At Secured Lending, we understand the urgency of your needs. That's why we've streamlined the process to get you funded in just 24 hours.
Here's how we achieve lightning-fast approvals:
In-House Valuations: Unlike most lenders, we have a team of expert property valuers on staff. This means we can complete valuations ourselves, eliminating the wait for external appraisals.
No Reliance on First Mortgagee Approval: We understand you can't control the timing of your first mortgage lender. Our process doesn't rely on their approval, further expediting the funding process.
The result? You get a fast and clear decision on your second mortgage application, with funding arriving in just 24 hours. See our streamlined Lending Process for more details.
A second mortgage sits behind your first mortgage and does not replace or interfere with it. Your first lender remains unchanged. What matters is that there is sufficient equity after the first mortgage is accounted for. We assess total loan-to-value across both facilities to ensure the structure remains sustainable.
Most second mortgage lenders look at the combined LVR, not just the second loan amount. In practice, approvals are strongest when the total lending sits below 70–75% of the property value, though higher structures may be possible depending on asset quality, income strength, and exit strategy.
Yes. This is one of the most common reasons borrowers use second mortgage finance. Banks often decline due to policy, time constraints, or income complexity. Second mortgages are assessed on asset strength, equity, and repayment strategy, not just box-ticking criteria.
Here's how we achieve lightning-fast approvals:
In-House Valuations: Unlike most lenders, we have a team of expert property valuers on staff. This means we can complete valuations ourselves, eliminating the wait for external appraisals.
No Reliance on First Mortgagee Approval: We understand you can't control the timing of your first mortgage lender. Our process doesn't rely on their approval, further expediting the funding process.
The result? You get a fast and clear decision on your second mortgage application, with funding arriving in just 24 hours. See our streamlined Lending Process for more details.
Beyond equity, lenders focus on three things:
Purpose of funds and whether it improves the borrower’s position
Serviceability or interest coverage, even if short-term
Clear exit strategy, such as refinance, sale, or improved cash flow
A well-explained use of funds materially improves approval terms.
Yes. Many borrowers use second mortgage finance as a temporary capital solution, then refinance into cheaper bank or non-bank lending once cash flow stabilises, financials improve, or a project is completed. This is a common and legitimate strategy when structured correctly.