When you need targeted capital to reset your debt profile without disturbing your first mortgage, a second mortgage loan for loan restructure can be the cleanest path. At Secured Lending, we’ve advised and assisted borrowers with this loan restructure repeatedly and have facilitated over 200 strategic second mortgages. If timing matters, we can help you move fast, keep control, and progress your plan. Secured Lending can help you move fast with a second mortgage loan for loan restructure. Assess your scenario today.
What a Second Mortgage Can Achieve for a Restructure
A second mortgage sits behind your primary lender and releases equity for a specific purpose. You keep your existing facilities in place while you solve a defined problem or fund a transition. Common outcomes include:
- Pay out short-dated or high-cost loans while you line up longer-term bank finance.
- Clear tax arrears, supplier pressure, or a balloon payment to stabilise cash flow.
- Consolidate scattered facilities into one line so you simplify covenants and reporting.
- Cover a settlement timing gap, then exit with refinance or asset sales.
- Fund renovations, equipment, or stock that will lift earnings before you refinance.
Key Benefits You Can Bank On
- Speed and certainty: Documentation is streamlined, allowing same day settlement or funding within 24 hours where the file is ready. This reduces stress around an urgent settlement or a compressed deadline.
- Keep the first mortgage intact: No break costs, no re-credit assessment with your bank, and no need to reset all covenants mid-year.
- Precision capital: Draw only what you need for the loan restructure and avoid a full refinance.
- Cash flow control: Interest can be prepaid or capitalised for the term, so working capital stays productive.
- Cleaner exit: Use a short, defined term to bridge to your refinance, sale, or project completion.
- Flexibility: Structure terms and repayments to match milestones rather than a rigid bank cycle.
How the Structure Works in Practice
Your property secures an additional advance that ranks second. The first mortgagee remains in place. We review your scenario, confirm equity, and scope the exit. You get a clear term sheet, we coordinate valuation and legal work, and we settle quickly. The capital can be used to tidy existing loan facilities, remove friction points, and position you for bank approval on better terms. It’s a practical, low-disruption way to create room to move.
Real-World Use Cases We See Often
- You’re closing on a property and need a short runway to refinance with your main bank.
- You’re funding a cost overrun on a development while presales convert.
- You’re restructuring secured business loans so you can retire an expensive mezzanine line.
- You’re smoothing cash flow after a one-off tax event or a delayed receivable.
- You’re consolidating debt to reset covenants ahead of a strategic review.
Private lender, Australia-wide, with Responsive Execution
As a private lender in Australia and a non-bank lender, Secured Lending operates nationally across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We make decisions locally and move with purpose. For urgent or emergency timeframes, we focus on what matters: security position, purpose, and exit. That allows us to provide practical options on bridging loans, second mortgage facilities, and short-dated capital.
What We Look for When Structuring Your Second Mortgage
- Security: Residential or commercial property as collateral. We do not accept other obscure assets as security.
- Purpose: Clear use of funds tied to a loan restructure outcome.
- Exit: A credible path such as refinance, sale, or retained cash flow.
- Quantum and term: We can arrange facilities where you can borrow up to $10 million with a defined horizon that matches your plan.
- Pricing and costs: Scenario-based, with an interest rate of 11.95% available depending on risk, term, and leverage.
Timelines and Process You Can Rely On
- Initial review the same day with direct feedback.
- Indicative terms issued quickly, so you can make decisions with clarity.
- Valuation and legals coordinated in parallel.
- Where documents and consents are in place, we can deliver same day settlement and, in many cases, funding within 24 hours.
How We Can Help
Secured Lending is built for moments when speed, discretion, and precision matter. We’ve provided strategic lending advice for second mortgage loan restructure needs in the past and have facilitated over 200 transactions of this type. We’ll review your position, structure a practical solution, coordinate with your first mortgagee, and confirm a clean exit strategy. If your timeline is urgent, we arrange documents, liaise with your advisers, and settle to your deadline. Secured Lending can help you move fast with a second mortgage loan for loan restructure. Assess your scenario today.
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 my bank need to approve a second mortgage? In most cases, yes. We coordinate consents with your first mortgagee and manage the process so timelines stay tight.
- What security do you accept? Residential or commercial property only. We don’t accept other obscure assets.
- How fast can you settle? With a prepared file and required consents, we can achieve same day settlement or funding within 24 hours to meet an urgent settlement.
- What will it cost? Pricing is scenario-based, with an interest rate of 11.95% indicative for suitable files, plus standard fees and charges. All costs are confirmed before you commit.
- What loan sizes and terms are available? We can structure facilities where you can borrow up to $10 million with terms aligned to your exit, typically used as short-term bridging loans for a focused loan restructure.
We have provided strategic lending advice for this in the past and can help assess your scenario. If you are considering a secured business loan or need a second mortgage for loan restructure, our team is ready to assist.
