As a second mortgage loan for Capital deployment, the right facility lets you act when timing decides value. At Secured Lending, we’ve advised and assisted borrowers to deploy capital into time‑sensitive opportunities and have facilitated over 200 strategic second mortgages. If you see an acquisition or settlement window, we help you move fast without disturbing your first mortgage. Secured Lending can help you move fast with a second mortgage loan for Capital deployment. Assess your scenario today.
What is a Second Mortgage?
A second mortgage is an additional loan secured against the usable equity in your existing property. You keep your first mortgage in place; we take a second ranking position and structure funds for targeted capital deployment.
Why It Works
- Speed: Same day settlement, funding within 24 hours where documentation and valuation line up.
- Preserve primary facilities: No need to refinance your bank.
- Flexibility: Draw capital for purchases, deposits, renovations, marketing, equipment, or working capital.
- Cost control: Pay interest only for the time you use the funds; exit when cash recycles or a refinance is ready.
- Certainty: We issue clear terms up front so you can commit to an urgent settlement with confidence.
Common Use Cases
- Bridging loans between buy and sell dates when a window is tight.
- Wholesale stock or materials buys at a discount that won’t wait.
- Pre‑settlement top‑ups to complete a property or business purchase.
- Fit‑outs, refurbishments, or DA‑driven works that unlock value before a longer-term refinance.
- Short cash flow gaps in solid businesses where receivables are lumpy.
If the need is urgent or even an emergency, a second mortgage lets you act now and tidy the structure later through bank refinance or sale proceeds.
How We Think About Pricing, Amounts, and Terms
Second mortgages are purpose-built secured business loans. Facility sizes are tailored to equity and exit strategy; with us, you can borrow up to $10 million depending on security and serviceability. For straightforward scenarios, pricing can start at an interest rate of 11.95%, with interest typically capitalised to reduce cash drag. Terms are commonly three to twelve months. We focus on the exit: sale, refinance, or receivables. Our job is to review the numbers, structure pragmatically, coordinate valuation and legal, and confirm a timetable you can rely on.
Our Process is Built for Pace
- Quick review of title, first mortgage statements, rates notices, and leases.
- Indicative terms the same day.
- Valuation instructed immediately; legals run in parallel.
- Clear conditions and a settlement checklist so you can plan commitments.
Why a Private Lender Matters
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. As a private lender, we underwrite real scenarios, not rigid scorecards, so you get fast, clear decisions.
What We Accept as Security
With Secured Lending, you can leverage residential or commercial property as collateral. We don’t accept other obscure assets as collateral. Security can be a single title or a small pool, and we’re comfortable with construction-in-progress or leased assets if the equity position stacks up.
How We Can Help
At Secured Lending, we’ve built a straightforward path for capital deployment via a second mortgage. We listen to your plan, test the numbers, and structure a facility that aligns with your exit. We coordinate stakeholders so you can focus on the opportunity, not the process. We have provided strategic lending advice for this in the past, and we 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
When does a second mortgage beat a refinance?
When time is the critical factor. If you need funds for an opportunity or urgent settlement now, a second mortgage funds quickly while your bank refinance follows.
What security do you accept?
Residential and commercial property only. We can take a second charge behind your bank. We don’t accept vehicles, crypto, or other obscure assets as collateral.
How much can I access and at what cost?
We assess usable equity and exit. You can borrow up to $10 million, with pricing that can start at an interest rate of 11.95%, plus standard valuation and legal costs.
How fast can you settle?
We can issue terms same day and achieve funding within 24 hours once conditions are met, including valuation and legals. We coordinate all parties to reduce friction.
What exits do you prefer?
Clear exits include property sale, mainstream refinance, or business receivables. We align term to the exit and stay engaged until the structure is safely unwound.
