If you’re looking to accelerate Portfolio growth without disturbing a well-priced first mortgage, a second mortgage loan can be a precise, time-efficient tool. At Secured Lending, we’ve advised and assisted borrowers to use second mortgages to expand, improve, and reposition their portfolios. We have facilitated over 200 strategic second mortgages. When timing matters, Secured Lending can help you move fast with a second mortgage loan for Portfolio growth. Assess your scenario today.
What a Second Mortgage Does for Your Portfolio
A second mortgage sits behind your existing home or commercial loan. You keep your primary facility in place and unlock additional equity for targeted moves. This approach is useful when you want speed, flexibility, and control over costs.
Key Benefits You Can Use Immediately
- Move on opportunities quickly: Pre-auction purchases, off-market deals, options, or deposits where urgent settlement is required.
- Preserve first-mortgage pricing: Keep your main facility intact and avoid a full refinance when rates and terms are favourable.
- Add value before refinancing: Fund renovations, refurbishments, DA costs, minor works, or subdivision steps that lift value and rent.
- Smooth cash flow gaps: Bridge timing mismatches between settlements, sales, or capital calls in your Portfolio growth.
- Execute strategic pivots: Consolidate debt, finalise construction punch lists, or secure stock and equipment tied to property upgrades.
When a Second Mortgage Makes Sense
- You see a strong buy but need fast access to capital for an urgent or emergency timeline.
- Your bank can’t meet the clock. You need same day settlement or funding within 24 hours to avoid penalties or losing the deal.
- You want to keep existing terms but still unlock equity for bridging loans, deposits, duty, or closing costs.
- You’re positioning for a refinance at a higher valuation after value-add works.
Why This Can Outperform a Full Refinance
- Speed: A second mortgage can be prepared and settled quickly, aligning with urgent settlement dates.
- Focus: Funds are directed at specific, high-ROI steps within your Portfolio growth.
- Flexibility: Short terms suit transaction windows and exit strategies (sale, refinance, or liquidity event).
- Cost control: You pay for targeted capital only when you need it.
How We Structure Your Second Mortgage for Outcomes
At Secured Lending, we design second mortgages to support your next move, not slow it down.
- Security: You can leverage residential or commercial property as collateral/security. We don’t accept other obscure assets as collateral.
- Loan size: You can borrow up to $10million, subject to equity, security, and due diligence.
- Pricing: We offer an interest rate of 11.95% with simple, transparent fee structures. Terms, fees, and covenants are confirmed upfront.
- Uses: Acquisitions, deposits, refurbishments, DA/CDC and professional fees, equipment tied to property improvements, cash flow bridging.
- Timeline certainty: We coordinate, review, and confirm documentation to enable same day settlement or funding within 24 hours where feasible.
Real-World Scenarios We Regularly Support
- You’ve secured an off-market commercial asset with a tight timeline. We arrange a second mortgage to meet the urgent settlement date.
- Your residential portfolio needs targeted renovations to lift rent. We structure staged drawdowns to match works and cash flow.
- You’re selling one asset to fund the next. We provide bridging loans via a second mortgage to cover the gap without disturbing your first mortgage.
- A development needs final compliance items before refinance. We fund the last steps so you can exit cleanly.
Private Lender: National Reach, Non-Bank Flexibility
We are a private lender in Australia and operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. As a non-bank lender, we move quickly, assess pragmatically, and coordinate with your advisers for a smooth process. Our team understands time pressure, documentation paths, and how to align the facility with your exit, whether sale or refinance.
What You Can Expect with Secured Lending
- Clear assessment: We review equity, security position, and use of funds. No guesswork.
- Practical structuring: We align term and repayments to your exit plan.
- Efficient coordination: We work with your solicitor, broker, or accountant to keep the file moving.
- Straight answers: We confirm conditions and timelines early so you can plan with confidence.
How We Can Help
If you’re ready to use a second mortgage to accelerate Portfolio growth, we’ll help you structure a facility that serves the deal, not the other way around. We understand cash flow timing, settlement windows, and the need for certainty. We arrange, coordinate, and confirm details early so there are no surprises at settlement. We’ve provided strategic lending advice for this in the past and can help assess your scenario.
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 first mortgage?
Your first mortgage remains in place. We obtain the first mortgagee’s consent and structure behind it, so your primary terms are preserved.
How fast can you settle?
With complete documents and clear security, we can achieve same day settlement or funding within 24 hours for urgent files.
What security do you accept?
Residential or commercial property only. We don’t accept other obscure assets as collateral for secured business loans.
What loan size and pricing should I expect?
Subject to equity and due diligence, you can borrow up to $10million at an interest rate of 11.95%, with terms tailored to your exit.
What can I use funds for?
Acquisitions, deposits, renovations, DA/CDC costs, bridging between sales and buys, and genuine emergency cash flow needs linked to Portfolio growth.
