When you need a second mortgage loan for Portfolio recap, you want clarity, speed, and a lender who respects your timeline. At Secured Lending, we’ve advised and assisted borrowers with this Portfolio recap and have facilitated over 200 strategic second mortgages. Secured Lending can help you move fast with a second mortgage loan for Portfolio recap. If you’re looking to rebalance leverage without disturbing your facilities, we can help you move fast. We offer same day settlement and funding within 24 hours. Assess your scenario today, confidentially.
What a Second Mortgage Can Do for a Portfolio Recapitalisation
A second mortgage lets you access equity tied up in one or more properties while keeping your first mortgage in place. That gives you targeted liquidity to complete a Portfolio recapitalisation to rebalance leverage without selling assets or breaking fixed terms.
Key Benefits You Can Expect
- Rebalance LVRs across assets: move capital from low‑geared properties to pay down higher‑geared ones, smoothing risk and improving bank relationships.
- Maintain momentum: cover an urgent settlement, refinance a balloon, or bridge a time‑sensitive purchase without derailing longer‑term banking strategies.
- Preserve pricing: avoid resetting your first mortgage or incurring break costs while you execute the recap plan.
- Strategic flexibility: deploy funds for upgrades, fit‑outs, or working capital so your properties and businesses keep earning.
- Speed and certainty: private documentation, streamlined assessments, and clear conditions designed for urgent and emergency timelines from a private lender.
Where a Second Mortgage Fits in Your Plan
Think of it as a precision tool. You can:
- Retire expensive short‑term debts and tidy balance sheets ahead of a senior refinance.
- Finalise renovations that lift valuations before a full restructure.
- Bridge equity for a new acquisition or option payment while your sale or refinance completes.
- Consolidate scattered liabilities into a single, transparent facility tied to property security.
How We Structure Second Mortgages for Recapitalisation
We focus on clean structures that work in the real world:
- Security: you can leverage residential or commercial property as collateral. We don’t accept other obscure assets as collateral.
- Cooperation with first mortgagee: where required, we coordinate consent and a deed of priority so obligations are clear and settlement is smooth.
- Term and exit: facilities are short‑term by design. Your exit might be a refinance, a sale, or cash flow once improvements are complete. We confirm the exit path upfront.
- Documents and timing: we issue terms quickly, arrange valuation, coordinate legals, and target same day settlement or funding within 24 hours when the pieces are ready.
Private Lender, Australia‑Wide
As a private lender in Australia, Secured Lending is a non‑bank lender operating nationwide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. If your opportunity is time‑critical, we’re built to move. We understand property, trading businesses, and settlement timetables, and we’re comfortable working alongside your bank, broker, accountant, and solicitor.
Cost, Amounts, and Transparency
We keep pricing straightforward and proportional to risk, with an interest rate of 11.95% available on suitable scenarios. You can borrow up to $10 million depending on security and serviceability. Interest is typically interest‑only, and we align repayments to your cash flow and exit. All fees are set out clearly in your offer so you can decide quickly and confidently.
Practical Use Cases We See
- You need urgent settlement funds to complete a purchase while sales proceeds arrive next month.
- Your bank wants LVR down on a particular property; you use a second mortgage on a lower‑geared asset to pay it down and keep the relationship smooth.
- You access equity to complete upgrades that increase rent and valuation before a refinance.
- You tidy tax, supplier, or project costs quickly using a secured business loan.
How We Can Help
Secured Lending specialises in short‑term second mortgage solutions for Portfolio recap so you can rebalance leverage without losing momentum. We also provide bridging loans and complementary facilities when timing matters. If your scenario is urgent or an emergency, we can mobilise quickly and work alongside your advisers to protect your priorities. 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.
Frequently Asked Questions
How do you assess eligibility?
Security position, equity, purpose, and a clear exit.
Do you need bank consent?
For a second mortgage, usually yes. We arrange consent and priority.
How quickly can you settle?
Same day settlement possible on prepared files; funding within 24 hours.
What can I use funds for?
Portfolio recapitalisation to rebalance leverage, acquisitions, renovations, or debt consolidation.
What security do you accept?
Residential or commercial property only; no obscure assets.
