When timing matters, a second mortgage loan for cash flow can unlock capital tied up in your property without disturbing your main mortgage. At Secured Lending, we’ve advised and assisted borrowers to smooth cash flow across acquisitions, supplier payments, ATO timelines, and settlement windows. We have also facilitated over 200 strategic second mortgages. If you’re weighing options, Secured Lending can help you move fast with a second mortgage loan for cash flow. Assess your scenario today.
What a Second Mortgage Really Does for Your Cash Flow
A second mortgage sits behind your first mortgage and uses available equity as security. You keep your current bank relationship intact while accessing a separate line of credit for short-term cash flow needs. In simple terms: you turn dormant equity into a working tool.
Where This Is Useful
- Bridging a purchase or urgent settlement while longer-term funding is finalised
- Stock purchases or bulk inventory opportunities at discount
- Contractor progress claims and payroll timing
- Renovations or value-add works ahead of refinance or sale
- Tax obligations where timing, not viability, is the issue
- Temporary working capital to stabilise seasonality
Key Benefits You Can Bank On
- Speed: Same day settlement is possible in straightforward scenarios, with funding within 24 hours once documents are executed.
- Control: Your first mortgage remains in place; the second mortgage is a standalone facility.
- Flexibility: Short terms, interest-only options, and clear exit strategies aligned to refinance or sale.
- Precision: Borrow to the need, not a one-size-fits-all limit—often more efficient than unsecured products.
- Certainty: A property-backed loan is typically more predictable than chasing an overdraft increase.
Fast. When you have an urgent or emergency requirement, the priority is certainty and timing. A well-structured second mortgage can keep deals moving and relationships intact.
How the Structure Works
- Security: We accept residential or commercial property as collateral. We don’t accept other obscure assets as collateral.
- Amount: Subject to valuation, title review, and total loan-to-value ratio across both mortgages. You can often borrow up to $10 million based on equity and exit strategy.
- Pricing: Solutions are priced to reflect speed and risk, with options from an interest rate of 11.95%, assessed case-by-case.
- Term: Typically 1–24 months, aligned to your exit (refinance, sale, receivables clearing, or a planned liquidity event).
- Exit: We help you define and document a realistic, low-friction path to close the facility on time.
When a Second Mortgage Beats Other Options
- Compared to unsecured working capital, property-backed funds can be larger and clearer on terms.
- Compared to redrawing or extending a bank facility, you avoid long queues and policy hurdles.
- Compared to selling assets quickly, you protect value while buying time to execute properly.
Private lender: Australia-Wide Reach, Non-Bank Speed
As a private lender and non-bank lender in Australia, we operate nationally—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. You deal with decision-makers, not call centres. We review your scenario, confirm equity and exit, and arrange documents quickly. We also support bridging loans where timing across settlements must be coordinated with precision.
Why Choose Secured Lending for Cash Flow Support
- Calm, commercial approach: We review, structure, and confirm what’s possible without noise.
- Deal momentum: We coordinate valuation, legals, and settlement so you can keep moving.
- Practical documentation: Streamlined requirements compared with traditional lenders.
- Transparent terms: Clear fees, clear timelines, and no hidden surprises.
Typical Timeline
- Same day assessment: Rapid review of property, title, and exit.
- Term sheet: Issued quickly, so you know exactly where you stand.
- Legals and settlement: We aim for funding within 24 hours of final documents in straightforward files.
Who This Suits
- Business owners with viable operations and temporary cash flow timing mismatches
- Investors needing to complete an upgrade, subdivision, or value-add before refinance
- Borrowers managing an urgent settlement or opportunity where days matter
Where This May Not Fit
- No clear exit strategy
- Insufficient equity once total secured debt is considered
- Requests to secure against unusual or illiquid assets (we keep to residential and commercial property)
How We Can Help
We’ll review your property equity, confirm available capacity behind your first mortgage, and structure a second mortgage aligned to your cash flow goal and exit. You’ll get a direct contact who coordinates valuation, documentation, and settlement. If your need is urgent, tell us the deadline; we’ll arrange a path to same day settlement where feasible. If timing is tighter, we can discuss interim options, including bridging loans under a second mortgage or secured business loan structure.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans. We have provided strategic lending advice for this in the past, and can help assess your scenario.
FAQs
1) What can I use a second mortgage for?
Working capital, tax obligations, supplier payments, inventory, renovations, or bridging an urgent settlement. We lend against property equity to support practical, time-bound cash flow.
2) Will my bank be affected?
Your first mortgage stays in place. We obtain consent where required and structure the second mortgage behind it, so day-to-day banking remains uninterrupted.
3) How fast can you fund?
In straightforward cases, same day settlement is possible, and we target funding within 24 hours once documents and conditions are complete.
4) What security do you accept?
Residential or commercial property only. We don’t accept other obscure assets as collateral. Facilities may be set up as second mortgage or secured business loans depending on title and borrower profile.
5) What loan size and terms are typical?
We can lend to your equity position and exit plan, and you can borrow up to $10 million where suitable. Pricing can include an interest rate of 11.95%, with terms commonly 1–24 months, interest-only, and aligned to your exit.
