If you’re ready to scale and want to protect ownership and momentum, a second mortgage loan for Growth recapitalisation can be a straightforward way to unlock the capital you need without disturbing your first mortgage. At Secured Lending, we’ve advised and assisted borrowers with this growth recapitalisation for years and have facilitated over 200 strategic second mortgages. We move quickly and keep things simple so you can focus on execution. Secured Lending can help you move fast with a second mortgage loan for Growth recapitalisation. Assess your scenario today.
What a Second Mortgage Does for Your Next Growth Phase
A second mortgage lets you access the equity in a property you already own while keeping your primary loan in place. It sits behind your first mortgage and provides targeted capital for the next phase—expansion, acquisition, inventory, equipment, team, marketing, or fit-outs—without a full bank refinance or equity raise.
Key Benefits You Can Count On
- Speed when timing matters: When a supplier offers a discount, a site becomes available, or an acquisition window opens, you need capital now. We can arrange same day settlement with funding within 24 hours for an urgent settlement, subject to valuation and documents.
- Control and ownership: Growth recapitalisation via a second mortgage avoids dilution and keeps decision-making with you.
- Precision funding: Draw exactly what you need for the next stage, then refinance or repay from cash flow when the plan lands.
- Minimal disruption: Keep your bank relationship and existing covenants unchanged while adding a focused facility alongside your secured business loan.
- Practical exit options: Plan to clear the second mortgage via refinance, asset sale, profitability improvements, or receivables—whatever matches your strategy and timeline.
When a Second Mortgage Makes Sense
- You have equity tied up in residential or commercial property and want to deploy it into productive assets or a time-sensitive opportunity.
- Your bank is supportive but cannot move at the speed you need for an urgent or emergency requirement.
- You’re preparing for a larger refinance later but want a bridge to growth now—stock purchases, equipment upgrades, fit-outs, or a deposit on an acquisition. Think of it as a precise bridge that keeps momentum without a complicated restructure. We also arrange bridging loans where that structure suits better.
How the Structure Works (in Plain Language)
- Security: We lend against Australian residential or commercial property you own. We don’t accept obscure assets as collateral. The second mortgage is registered behind your first mortgagee.
- Amount: You can borrow up to $10 million, subject to valuation, equity, and serviceability.
- Pricing: Clear, transparent terms with an interest rate of 11.95%, subject to credit assessment and scenario specifics. We prioritise certainty so you can budget with confidence.
- Term and repayments: We tailor the term and repayment profile to your growth plan and exit pathway. The aim is to give you enough time to execute, without overcommitting you.
- Coordination: We liaise with your first mortgagee to secure consent and manage settlement logistics so your day stays focused on running the business.
Why Choose a Second Mortgage for Growth Recapitalisation Over Other Options
- Versus equity: Faster, simpler, and you keep ownership. No shareholder negotiations or dilution.
- Versus full refinance: Avoid the delay and complexity. Keep existing rates and covenants on your primary facility.
- Versus unsecured working capital: Larger limits at property-backed pricing, with better alignment to funding asset purchases or expansion capex.
Private Lender Advantage, Australia Wide
As a private lender and non-bank lender in Australia, Secured Lending operates nationally—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. You deal with decision-makers, not layers of committees. That means faster answers, practical structuring, and documentation tailored to your real-world timelines. We understand urgent and emergency scenarios and coordinate directly with your advisers to keep the process tight.
What You Can Expect from Our Process
- Straightforward assessment: We review your goals, property security, current debt position, and exit plan. We’ll tell you quickly if the second mortgage is the right tool—or if a different path would serve you better.
- Clear terms up front: No surprises. We outline costs, conditions, and timing in plain language.
- Fast execution: With valuation, consent, and docs in place, we can achieve same day settlement and deliver funding within 24 hours for an urgent settlement.
- Active coordination: We work with your bank, solicitor, and accountant to keep everyone aligned and the deal moving.
Use Cases Delivering Strong Outcomes
- Buying inventory ahead of seasonal demand or supplier discounts
- Funding deposits or settlement balances for an acquisition
- Renovations, equipment, or technology that unlock capacity
- Marketing and sales expansion tied to a clear ROI plan
- Short-term cash flow smoothing while larger refinance is arranged
Risk and Fit—Kept Sensible
A second mortgage increases total gearing, so we focus on a credible exit. We’ll review your forecast, timing, and buffers, and size the facility to what the business can realistically support. That steadiness is how you keep growth controlled and confidence high.
How We Can Help
Secured Lending specialises in second mortgage solutions that support Growth recapitalisation without unnecessary complexity. We’ve facilitated over 200 strategic second mortgages and have provided strategic lending advice for this in the past. If you’re weighing timing, cost, and certainty, we’ll help you structure the right level of funding, coordinate consents, and settle quickly so you can execute your plan. Assess your scenario today. 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) Do I need my bank’s consent for a second mortgage?
Yes. Your first mortgagee’s consent is required. We coordinate this process and align timing with valuation and document execution to keep things moving.
2) What security do you accept?
We accept residential or commercial property in Australia as collateral/security. We don’t accept other obscure assets as collateral. We lend Australia wide.
3) How much can I borrow and how fast can it settle?
Subject to assessment and valuation, you can borrow up to $10 million. Where documents and consents are ready, we can arrange same day settlement and provide funding within 24 hours for an urgent settlement.
4) What does pricing look like?
We offer clear, scenario-based pricing with an interest rate of 11.95%, subject to credit assessment, security, and loan parameters. All fees and terms are disclosed upfront so you can make an informed decision.
5) What’s a sensible exit for a growth recapitalisation second mortgage?
Common exits include refinance to a long-term facility once metrics improve, sale of a non-core asset, or repayment from increased cash flow. We’ll help you map the exit alongside your growth plan to maintain flexibility and certainty.
