When you need a second mortgage loan for capital recycle, speed and certainty matter. At Secured Lending, we’ve advised and assisted borrowers with this capital recycling strategy for years and have facilitated over 200 strategic second mortgages. If you’re looking to recycle equity and redeploy it into new assets without disturbing your first mortgage, we can help you move quickly. Fast. We prioritise clean structures, clear terms, and execution. Secured Lending can help you move fast with a second mortgage loan for capital recycle. Assess your scenario today.
What Capital Recycling Looks Like with a Second Mortgage
In simple terms, you unlock equity in an existing property and put that capital to work in a new opportunity. A second mortgage sits behind your first mortgage. You keep your existing facility in place, while accessing additional funds secured against the same property. You avoid a full refinance, reduce disruption, and hold your timeline.
When a Second Mortgage is Useful
- Bridging a purchase before sale or refinance (classic bridging loans use case)
- Topping up equity for deposits, stamp duty, or construction milestones
- Buying stock fast to secure pricing or supply
- Renovating or value-adding to lift yield before a refinance
- Meeting an urgent settlement or an unexpected, time-bound opportunity
- Covering an emergency expense without interrupting core banking
Key Benefits of a Second Mortgage for Capital Recycle
- Speed: same day settlement possible with funding within 24 hours on clean titles
- Control: keep your first mortgage and main banking relationships intact
- Cost management: interest-only, short-term use; you pay for the window you need
- Precision: draw exactly what the new asset requires; avoid over-borrowing
- Tax and structuring flexibility: coordinate with your adviser for cleaner exits
- Simplicity: one set of documents focused on your security and exit plan
How Secured Lending Structures Second Mortgages
We review the asset, equity position, and your exit. We then structure a facility that aligns with your timeline.
- Limits: borrow up to $10 million (subject to LVR and security)
- Pricing: headline interest rate of 11.95% with transparent fees (scenario dependent)
- Terms: typically 1–24 months, interest capitalised if required
- Security: residential or commercial property accepted as collateral; we don’t accept other obscure assets
- Turnaround: funding within 24 hours for straightforward deals; we routinely meet urgent settlement deadlines
- Use cases: acquisitions, development top-ups, equipment, and secured business loan
Our Process Keeps You Moving
- Review: fast indicative terms from a short brief and recent valuations
- Structure: confirm LVR, pricing, and conditions that fit your exit
- Coordinate: work with your solicitor and broker to line up documents
- Confirm: title, caveats, consents, and priority arrangements
- Arrange: settlement on your timetable, including same day settlement where viable
Private Lender, Australia Wide
As a private lender in Australia and a non-bank lender, we operate nationwide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. You get decision-makers, direct answers, and practical solutions. We understand bridging loans, second mortgage requirements, and the tempo of property and business transactions.
Why Borrowers Choose Us for Capital Recycling
- You want certainty on short notice for an urgent opportunity
- You need a clear exit and minimal interference with your first mortgage
- You value concise documentation and straight talk
- You prefer a lender that treats you like a partner, not a ticket
How We Can Help
We listen, then move. Our team scopes the deal, confirms equity, and tailors the second mortgage so you can recycle capital into the next asset with confidence. If timelines compress, we prioritise what matters to reach settlement. If complexity rises, we reduce friction and coordinate stakeholders. We’ve provided strategic lending advice for this in the past, and can help assess your scenario.
FAQs
- How fast can I settle? We can deliver funding within 24 hours on straightforward files, including same day settlement where documents and consents are ready.
- What assets can I use as security? Residential or commercial property only. We don’t accept other obscure assets as collateral.
- Do you lend for business purposes? Yes. We arrange secured business loans, including working capital, acquisitions, and project top-ups.
- What if I only need funds briefly? Short terms are fine. Many clients use a second mortgage as bridging loans until a sale or refinance.
- Are you suitable for urgent or emergency needs? Yes. We are set up for urgent settlement and genuine emergency timeframes without disturbing your primary bank.
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. Assess your scenario.
