Short-term liquidity is crucial when timing is everything. If you’re waiting on a refinance or a sale to complete, a second mortgage loan for liquidity bridge can unlock the equity you already hold and keep your plans moving. At Secured Lending, we’ve advised and assisted borrowers with this liquidity bridge and have facilitated over 200 strategic second mortgages. We understand the deadlines you’re managing and structure solutions that fit your exit. Secured Lending can help you move fast with a second mortgage loan for liquidity bridge. Assess your scenario today.
What Is a Second Mortgage Liquidity Bridge?
A second mortgage sits behind your existing first mortgage and releases part of your available equity for a defined period. It’s designed to be repaid from a clear exit: the refinance settling, the sale completing, or another committed liquidity event. You keep your current first mortgage in place and add a short, targeted facility to bridge the gap.
Why Use a Second Mortgage Liquidity Bridge?
- Preserve timing: Secure a new asset, finalise a project, or meet an urgent settlement while your refinance or sale is still in progress.
- Avoid discounts and delays: Don’t rush a sale or accept a lower offer just to free cash.
- Keep operations steady: Cover tax, supplier, payroll, or stock purchases without interrupting momentum.
- Fund value-adding work: Complete renovations or compliance upgrades that lift sale price or refinance terms.
- Protect relationships: Meet commitments on time and maintain credibility with counterparties.
Where Does a Second Mortgage Liquidity Bridge Fit?
- Your refinance approval is issued, but documents and drawdown will take two weeks. You need funds now for an urgent settlement.
- You’ve exchanged on a sale with 30-day settlement, but an emergency cash call arrives today.
- A strong opportunity appears—bulk stock at a discount, or a time-sensitive buy—and you want to move before competitors.
- You’re finishing works that lift valuation for refinance and want them completed before the valuer returns.
How the Structure Works
- Amount: We can often align the advance to your equity and exit visibility, so you can borrow up to $10 million.
- Term: Typically one to twelve months, matched to your refinance or sale timeline.
- Repayments: Interest-only or capitalised to maturity, depending on cash flow and lender consent.
- Security: A registered second mortgage over residential or commercial property. This is a form of secured business loan designed for short-term bridging.
Speed and Certainty When Time Is Tight
We prioritise simple documents, clear milestones, and coordination with your first mortgagee (including any required consents or priority deeds). Where appropriate, we streamline valuations and legal work so you can achieve same day settlement or funding within 24 hours. If your transaction is urgent, tell us your key date—we plan back from it and keep you updated.
Costs and Transparency
Every deal is different, but we focus on clarity upfront: facility limit, fees, term, and exit path. We keep language simple and timelines realistic. For qualified scenarios, an interest rate of 11.95% is available on eligible terms and security. All pricing depends on risk, LVR, asset quality, and exit certainty.
The Advantage of a Private Lender
As a private lender in Australia, Secured Lending is a non-bank lender that operates Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Being a private lender means we assess your position on its merits, not just a credit score. We look at the asset, the equity, and the exit. That’s why we can move quickly on bridging loans for second mortgage funding when the requirement is urgent or an emergency, and the window is narrow.
What We Look For
- Clear exit: refinance approval evidence, sale contract, or a defined liquidity event.
- Adequate equity: realistic loan-to-value on combined first and second mortgages.
- Suitable security: residential or commercial property you own. We don’t accept other obscure assets as collateral.
- Purpose: business or investment use aligned to short-term needs.
Your Benefits with a Second Mortgage Bridge
- Liquidity without disturbing your main loan.
- Flexibility to time your refinance or sale for best outcome.
- Rapid access to capital when the market won’t wait.
- Straightforward documentation and practical engagement.
- A focused facility that begins and ends with your exit.
How We Can Help
Secured Lending reviews your objective, structures a tight second mortgage, coordinates with stakeholders, and confirms the path to repayment. We handle the steps so you can focus on the outcome. We’ve provided strategic lending advice for liquidity bridge solutions in the past and can help assess your scenario now. 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.
FAQs
Will a second mortgage affect my refinance?
It shouldn’t, provided we align the term and settlement so the second mortgage is discharged at or before your new lender funds. We coordinate documentation to keep your refinance path clear.
Do I need consent from my first mortgage lender?
Often, yes. Requirements vary. We arrange any needed consent or priority deed and keep all parties informed to avoid delays.
What security do you accept?
Residential or commercial property you own. We don’t accept other obscure assets as collateral.
How fast can funding occur?
With the right documents and cooperation, we can achieve same day settlement or funding within 24 hours for urgent settlement needs.
What loan sizes and terms are available?
We can help you borrow up to $10 million for short, defined terms, matched to the timing of your refinance or sale.
