If you want practical, fast access to capital without disturbing your first mortgage, a second mortgage loan for Equity release can be a smart move—especially when you’re releasing equity from commercial property assets. At Secured Lending, we’ve advised and assisted borrowers with this Equity release for years and have facilitated over 200 strategic second mortgages. When you need certainty, speed, and a clear plan, we help you move fast with a second mortgage loan for Equity release. Assess your scenario today.
What a Second Mortgage Does for You
A second mortgage allows you to unlock trapped equity in a property you already own while keeping your primary loan in place. It’s useful when you:
- Need liquidity for an urgent settlement, tax commitments, or upcoming renovations.
- Want to seize time-sensitive opportunities such as stock purchases or equipment upgrades.
- Prefer not to refinance your entire facility due to break costs, timing, or bank turnaround times.
- Intend to fund value-add works that increase the property’s earning capacity or valuation.
Key Benefits of Using a Second Mortgage for Equity Release
- Keep your bank relationship intact: Maintain your first mortgage and avoid full refinance complexity.
- Speed: We prioritise fast decisions, with same day settlement possible in the right circumstances and funding within 24 hours after documents are executed.
- Flexibility: Use funds for acquisitions, working capital, bridging loans, or project costs tied to your business plan.
- Purpose-built terms: Shorter terms reduce total interest, and repayments can be structured around your exit.
- Control: You decide when and how you repay—via sale, refinance, receivables, or dividend flows—without resetting long-term banking lines.
How a Second Mortgage for Commercial Equity Release Works
- We review your property’s current value, existing debt, and your intended use of funds.
- We assess serviceability and, where relevant, the project plan or exit (sale, refinance, or cash flow).
- We register a second mortgage behind your primary lender and arrange drawdown once conditions are met.
- You receive a clear timeline and a documented exit path before settlement.
Costs, Terms, and Risk Control—Kept Simple
- Transparent pricing with an interest rate of 11.95% subject to credit assessment, loan size, and term.
- Borrow up to $10 million, with LVRs tailored to asset quality, location, and income position.
- Terms commonly range from 3–24 months to match business objectives and planned exits.
- We secure only against residential or commercial property. We don’t accept other obscure assets as collateral.
- We coordinate consents and handle documentation to reduce friction and delays.
Where Second Mortgages Shine in the Real World
- Cash flow timing: Cover BAS, ATO payment plans, or payroll without pausing growth.
- Acquisition windows: Move decisively on a strategic asset while your bank takes time.
- Development and improvements: Fund DA costs, refurbishments, or fit-outs that lift rent and valuation.
- Bridging finance: Use a defined exit—sale or refinance—while you complete a transaction.
Private Lender, Australia Wide
As a private lender and non-bank lender in Australia, Secured Lending operates nationwide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Being outside the big-bank process means we can provide urgent, emergency solutions with streamlined credit assessment. We also arrange secured business loans and bridging loans where they best fit your outcome.
Process and Timelines You Can Rely On
- Quick review: Same-day feedback on feasibility.
- Term sheet: Plain-English terms so you can decide quickly.
- Settlement: Depending on consents and valuation, we can work to same day settlement or funding within 24 hours once documents are signed and conditions satisfied.
Why Choose Secured Lending for Equity Release on Commercial Assets
- Experience with complexity: Multi-tenant assets, mixed-use security, or layered priority arrangements.
- Certainty and speed: Direct decision-makers and coordinated settlement.
- Structured exits: We align loan term and repayments to your sale, refinance, or cash flow plan.
How We Can Help
We review your property position, model funding scenarios, and structure a second mortgage that matches your timeline and exit. Our team coordinates with your existing lender, valuers, and solicitors to confirm consents, arrange documents, and settle on your schedule. If a second mortgage isn’t the best route, we’ll tell you—and outline alternatives like secured business loans, bridging loans, or staged drawdowns. You get a clear path, a tight timeline, and a finance partner who respects your time and goals.
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
1) Can I use both residential and commercial properties as security?
Yes. You can leverage either residential or commercial property as collateral/security for a second mortgage. We don’t accept other obscure assets as collateral.
2) What loan sizes and terms are available for Equity release?
We support facilities from smaller tactical needs through to borrow up to $10 million, typically over 3–24 months. Final terms depend on asset quality, LVR, and exit strategy.
3) How fast can you settle a second mortgage?
We prioritise urgent needs. With consents and documents ready, same day settlement is possible. Commonly, you’ll see funding within 24 hours after signing and meeting conditions.
4) What can I use the funds for?
Business working capital, acquisitions, renovations, equipment, DA costs, or bridging loans for an urgent settlement. We align use-of-funds to a clear, documented exit.
5) How do rates and fees work?
Pricing reflects risk, term, and LVR, with an interest rate of 11.95% indicative for suitable scenarios. We disclose all costs up front so you can compare options with confidence.
We have provided strategic lending advice for this in the past and can help assess your scenario.
