At Secured Lending, we specialise in arranging a second mortgage loan for litigation funding, so you can keep momentum while a dispute plays out. We’ve advised and assisted borrowers to access litigation and dispute-related funding secured by property, and we’ve facilitated over 200 strategic second mortgages. If timing matters, we move fast. We review your position, structure the facility, and coordinate documents for same day settlement where feasible, with funding within 24 hours in suitable cases. If you’re facing an urgent settlement decision, a cost order, or a time-critical hearing, we help you act without derailing other projects. Assess your scenario today.
Why Use a Second Mortgage for Litigation and Dispute-Related Funding
- Preserve liquidity: Keep working capital free for operations, investments, or other obligations while you fund counsel, experts, discovery, or security for costs.
- Speed and certainty: Property-backed facilities can be documented quickly, giving you clarity when timelines are tight or an urgent settlement is on the table.
- Control: You retain ownership and decision-making; no need to bring in equity partners or give away upside in your claim.
- Fit-for-purpose: Funding can be staged to match legal milestones (filings, mediation, trial prep), reducing interest carry.
- Competitive pricing relative to risk: Using real property as collateral often prices better than unsecured options.
- Flexibility: Interest-only terms and short durations can align with expected settlement proceeds or portfolio liquidity events.
How a Second Mortgage Facility Typically Works
- Assessment: We review your security property, existing first mortgage, loan purpose, and timing.
- Structure: We size the facility to your needs, set a clear drawdown plan, and coordinate with your solicitor and the first mortgagee.
- Valuation and legal docs: Focused, no-nonsense diligence. We aim to minimise friction without skipping what matters.
- Settlement and draw: If everything stacks up, we can proceed to same day settlement or funding within 24 hours.
- Repayment: Commonly from settlement proceeds, a refinance, or business cash flow once the dispute completes.
Key Benefits You Can Bank On
- You fund the case without selling assets in a hurry or pausing growth initiatives.
- You gain negotiating leverage in mediation by securing runway.
- You can accept a strong settlement when it appears, rather than when cash is available.
Private Lender Advantage, Australia Wide
As a private lender and non-bank lender, Secured Lending operates across Australia: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. You deal with decision-makers who understand property, disputes, and timelines. We can work alongside your existing bank, align with bridging loans if needed, and coordinate closely with your legal team to minimise noise and maximise speed. You can borrow up to $10 million subject to assessment, security position, and purpose. We provide secured business loan solutions using real property as collateral, so funds land where they are needed, when they are needed.
Pricing and Terms in Plain Language
We price to risk, term, security position, and complexity. Many clients ask whether an interest rate of 11.95% is achievable; our team will confirm in writing based on your asset, loan size, and timing. All costs are disclosed upfront before you proceed. No surprises. Terms are typically short to medium, with interest-only repayments and the option to capitalise interest where appropriate.
Security We Accept
We lend against residential or commercial property that you own or control. We do not accept other obscure assets as collateral. We can work behind most first mortgagees, provided consents and priorities are in order. We coordinate with your solicitor to keep the process clean and predictable.
When a Second Mortgage Can Be Decisive
- Funding counsel, expert evidence, and discovery phases.
- Meeting a court-ordered security for costs.
- Bridging a short window to trial or arbitration.
- Backing a strategic mediation push.
- Taking advantage of a time-bound settlement that reduces overall legal spend.
Why Secured Lending
- Experience: We’ve facilitated over 200 strategic second mortgages, including complex, time-sensitive matters.
- Coordination: We liaise with your bank, lawyer, and valuer to compress timelines.
- Options: We can pair the facility with bridging loans or plan for a refinance at completion.
- Clarity: Straight terms. Clear documents. Fast answers.
- Responsiveness: If the matter is urgent or an emergency, we prioritise accordingly.
How We Can Help
If you want a clear path to fund legal spend without slowing the rest of your business, we’ll review your situation, structure a sensible second mortgage, and coordinate each step to settlement. You’ll know your options, timelines, and costs upfront, so you can focus on the dispute, not the paperwork. 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 funds for any legal expenses?
Yes—solicitor fees, counsel, experts, discovery, security for costs, and settlement payments tied to your dispute.
2) How fast can you settle?
If the file is clean and consents are ready, we target same day settlement or funding within 24 hours.
3) Do you work behind my bank?
Yes. We’re comfortable in second position and coordinate with the first mortgagee to document priorities.
4) What if the case outcome is delayed?
We can discuss extensions or refinance options. We’ll confirm choices early so you’re never guessing.
5) What property can I use?
Residential or commercial assets you own or control in Australia. We don’t take other obscure assets.
We have provided strategic lending advice for this in the past and can help assess your scenario.
