Navigating the Maze of Australian Financing: A Tale of Blended 1st & 2nd Mortgages

Mark Hutchins

Mark Hutchins

Director - Secured Lending

Navigating the Maze of Australian Financing: A Tale of Blended 1st & 2nd Mortgages

In the ever-evolving landscape of the Australian banking industry, where uncertainty and bureaucracy often reign supreme, securing simple financing needs can be a challenging journey. The recent experience of a client highlights the struggles many borrowers face, showcasing the need for alternative solutions to the sluggish pace of traditional banking.

A familiar face approached us at Secured Lending, seeking refuge from the labyrinthine processes of mainstream banks. This client, well-aware of the efficiency and personalised service that defines our team, was in the midst of a significant property transaction. Selling their luxury property in the prestigious Eastern Suburbs, they found themselves in need of a short-term bridging loan to facilitate the acquisition of a new home.

Frustrated by the slow and often impersonal nature of big banks, the client turned to us for a swift and tailored solution. Recognising the urgency of the situation, we swiftly crafted a $5.7 million blended 1st & 2nd mortgage facility. This innovative financing arrangement was secured against both their existing Eastern Suburbs property in New South Wales and the newly identified dream home.

The term “1st & 2nd Mortgage” may sound like financial jargon to some, but for our client, it meant liberation from the red tape and uncertainty that typically accompany dealings with major banking institutions. This dual mortgage approach not only provided the necessary funds promptly but also allowed our client to navigate the intricacies of property transactions without the usual headaches associated with traditional financing avenues.

In Australia, where the real estate market moves at a pace of its own, the need for agile and responsive financial solutions is more pronounced than ever. The blend of a first and second mortgage became the key to unlocking seamless transitions between properties for our client. This innovative financing option ensured that they could transition smoothly from selling their Eastern Suburbs residence to securing a new property without being bogged down by the bureaucratic decision-making processes of mainstream banks.

At Secured Lending, our commitment to providing personable customer service and expeditious financial solutions sets us apart from the mainstream. The Australian-based tone of our interactions, devoid of unnecessary slang or jargon, reflects our dedication to clear communication and a customer-centric approach.

If you or your client find yourselves in a situation demanding urgent finance, Secured Lending stands ready to assist. You can reach out to us at 1300 795 175, drop us an email at, or explore the details on our website.

In the vast landscape of Australian financing, where the pace of the big banks can be more of a hindrance than a help, the story of our client serves as a testament to the power of tailored solutions. The 1st & 2nd Mortgage strategy proved to be the beacon guiding our client through the intricate web of property transactions, showcasing that in the world of finance, sometimes thinking outside the traditional banking box is the key to success.

1st & 2nd Mortgage

Secured Lending


Secured Lending focuses on non-conforming, short term funding solutions with incredibly quick turnaround times. So why Secured Lending?
  • We have our own internal property valuation team.
  • We can settle caveats, 1st and 2nd mortgage loans within 24 hours up to $45m.
  • We pride ourselves on being transparent and honest in our approach, always aiming to have an initial assessment back to you in a few hour

Our rates start at 9.95% p.a. with loan terms from 1 – 24 months.

 If you have a scenario to discuss, please call us on 1300 795 175.
Scroll to Top