Secured Lending’s second mortgage loan for forced-sale avoidance is a practical way to buy time, protect value, and keep control. We’ve advised and assisted borrowers facing potential forced or distressed asset sales, and we’ve facilitated over 200 strategic second mortgages. If a lender, creditor, or contract timeline is pushing you toward a sale you don’t want, we help you unlock equity quickly so you can choose the right exit, not the fastest fire sale. We move fast when timing is urgent or an emergency arises, with funding within 24 hours possible once due diligence is complete. If you’re staring down an urgent settlement or a refinancing delay, we can help you move fast with a second mortgage loan for forced-sale avoidance. Assess your scenario today.
Why a Second Mortgage Can Prevent a Forced Sale
A second mortgage sits behind your primary loan and uses the same property as security. It releases targeted capital without disturbing your first mortgage. That capital can clear arrears, fund settlements, cover tax obligations, or stabilise cash flow so you can execute your preferred plan.
Key Benefits for Forced-Sale Avoidance
- Time to negotiate: pause pressure while you refinance, sell selectively, or restructure.
- Maintain value: avoid discounting quality assets to meet a deadline.
- Control the exit: align timing with market conditions and your tax or legal advice.
- Protect relationships: settle with suppliers, the ATO, or partners without rushed compromises.
- Flexibility: draw what you need, keep your existing facilities intact.
Real Scenarios We Fund
These are common, commercially sound reasons to deploy a second mortgage for forced-sale avoidance:
- Urgent settlement on a purchase while your sale or refinance is delayed.
- Clearing small arrears or a caveat to restore lender confidence before a refinance.
- Short runway to meet tax, payroll, or creditor agreements without liquidating strong assets.
- Bridging liquidity to complete renovations, DA milestones, or a partial sell-down before marketing the whole asset.
For some, bridging loans are part of the plan; the second mortgage provides the buffer.
How the Funding Works, in Plain Terms
- Security: You leverage residential or commercial property as collateral. We don’t accept other obscure assets as collateral.
- Position: We register a second mortgage behind your first. Your existing lender remains in place.
- Amount: Driven by equity and serviceability, with conservative loan-to-value to keep you safe. You can borrow up to $10 million subject to assessment.
- Pricing and term: Tailored to the risk, with an interest rate of 11.95% available on select scenarios, and terms designed around your exit timeline.
- Process: Streamlined. Quick review, confirm security, coordinate valuation if needed, issue terms, and arrange settlement. Where timing allows, we can achieve same day settlement.
Private Lender, Australia-wide
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide, with local capability across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. If you need a private lender that can move decisively, we can prioritise your file, coordinate stakeholders, and keep communication tight from first call to completion.
When a Second Mortgage Is the Smarter Choice
A forced sale can be fast, but it often destroys value. A well-structured second mortgage gives you time to execute a better plan. If you’re weighing bridging loans, secured business loans, or equity injections, a second mortgage can complement these tools by providing immediate liquidity without diluting ownership or disturbing a good first mortgage. When timelines are urgent, certainty beats speculation.
What We Look For
- A clear exit: refinance, staged sell-down, or contracted sale.
- Confirmed security and equity.
- Basic serviceability or evidence the exit will repay the loan.
- A realistic timeline and stakeholders ready to act.
Speed and Certainty
Forced-sale avoidance is about timing. We work to tight deadlines, including urgent settlement needs tied to contracts, auctions, or expiring finance approvals. With focused underwriting and direct decision-makers, we can provide conditional approvals quickly and, where appropriate, funding within 24 hours.
How We Can Help
At Secured Lending, you deal with a decisive team that understands commercial timelines. We review your position, structure a second mortgage that buys time, coordinate with your existing lender, and confirm the path to settlement. Our documents are straightforward. We keep you informed at each step so there are no surprises.
Where appropriate, we can offer an interest rate of 11.95%, arrange same day settlement, and align terms to your exit. We’ve assisted many borrowers with forced-sale avoidance, and we’ve facilitated over 200 strategic second mortgages. You can borrow up to $10 million depending on equity and scenario. If you’d like options, assess your scenario today and we’ll respond with clear steps and timing.
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. We have provided strategic lending advice for this in the past, and can help assess your scenario.
FAQs
How fast can a second mortgage settle to avoid a forced sale?
We prioritise urgent settlement. Depending on the security and documents, we can deliver funding within 24 hours, and in some cases same day settlement.
What can I use as security?
Residential or commercial property you own. We do not accept other obscure assets as collateral. We register a second mortgage behind your existing first mortgage.
How do you price the loan?
Pricing reflects risk, term, and exit. Where appropriate, we may offer an interest rate of 11.95%. We’ll confirm fees and total cost upfront so you can compare options.
Is a second mortgage different to bridging loans or secured business loans?
Yes. A second mortgage is secured behind your first mortgage and is often used to buy time and avoid a forced sale. Bridging loans usually connect a sale and a purchase. Secured business loans can be property-secured or cash-flow based. We can help you choose the right structure for timing and cost.
What loan sizes do you consider?
Subject to equity and assessment, you can borrow up to $10 million. We are a private lender focused on practical outcomes and clear exits.
