If you’re negotiating a tax settlement and want a clean, swift way to fund it without disrupting your existing facilities, a second mortgage can be the simplest path. At Secured Lending, we’ve advised and assisted borrowers with tax settlements and have facilitated over 200 strategic second mortgages. When timing matters, we help you move fast. Assess your scenario today and, where suitable, we can arrange same day settlement with funding within 24 hours for an urgent settlement.
Why a Second Mortgage for a Tax Settlement
A second mortgage lets you unlock equity in a property you already own without refinancing your first mortgage. That can be decisive when timelines are tight. Key benefits include:
- Speed and certainty: Meet ATO deadlines, avoid compounding interest, and keep negotiations calm.
- Preserve your current banking: Keep your first mortgage and day-to-day banking intact.
- Cost control: Pay only what you need, when you need it, via structured capital tailored to the settlement stages.
- Cash flow protection: Capitalise interest during the term so your working capital isn’t squeezed.
- Negotiation leverage: Arriving at the table with committed funds can help secure better terms on the settlement.
- Avoid forced asset sales: Keep investments or inventory intact and sell on your own timeline, not under pressure.
What “Structured Capital” Looks Like for Negotiated Tax Settlements
Structured capital is simply funding shaped around your real-world settlement milestones and cash flows:
- Staged drawdowns aligned to ATO instalments, so you only draw—and pay—for what’s required.
- Interest capitalised for the term, smoothing cash flow through the negotiation and payment plan period.
- Terms designed to bridge to your planned exit: a refinance, a liquidity event, a property sale, or strong incoming receivables.
- Security over residential or commercial property you already own, leaving other assets free.
- Clear reporting so you, your adviser, and the ATO know exactly what is funded and when.
This approach turns an urgent, sometimes emotional issue into a managed, documented plan. You protect working capital, preserve momentum in the business, and maintain privacy.
Timing, Amounts, and Pricing
- Indicative terms quickly, then same day settlement where documents and consents are in place, with funding within 24 hours.
- Loan sizes that scale to your needs—you can borrow up to $10 million subject to equity, valuation, and exit strategy.
- Pricing aligned to risk and term, including options at an interest rate of 11.95% for qualifying scenarios, plus standard fees, subject to due diligence.
Where This Is Most Useful
- Finalising a negotiated tax settlement with tight dates.
- Clearing arrears to reset a payment plan.
- Bridging to a pending refinance or asset sale.
- Avoiding disruption to trading during a seasonal cash flow dip.
- Consolidating multiple tax-related exposures into one structured facility.
Private Lender: A Non-Bank Approach Built for Speed
As a private lender in Australia, Secured Lending operates Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We’re a non-bank lender, so we move quickly, make commercial decisions, and coordinate directly with you and your advisers. We focus on property-backed solutions, including bridging loans, second mortgage facilities, and secured business loan options designed for urgent or emergency needs.
What We Secure Against (and What We Don’t)
You can leverage your residential or commercial property as collateral. We don’t accept other obscure assets as collateral. Keeping security simple helps us move faster and keeps your facility clear and clean.
Our Process, Step by Step
- Review: We assess your settlement timeline, required funding, and exit strategy.
- Structure: We shape staged drawdowns, capitalised interest, and term to match your settlement plan.
- Coordinate: We work with your accountant, lawyer, and first mortgagee to obtain any required consents.
- Confirm and settle: We finalise docs, verify valuation and title, then arrange same day settlement where possible.
Why Choose a Second Mortgage Over Other Options
- Compared to refinancing: You avoid lengthy bank processes and potential break costs.
- Compared to selling assets: You keep control and sell on your terms.
- Compared to unsecured facilities: Property-backed funding can deliver larger limits and clearer pricing.
How We Can Help
Secured Lending brings calm, practical structure to time-sensitive tax settlement funding. We’ve facilitated over 200 strategic second mortgages and understand how to align staged payments, capitalised interest, and exit plans so you can finalise your tax settlement without disrupting your business or investments. If your situation is urgent, we can prioritise same day settlement with funding within 24 hours. We are a private lender focused on bridging loans, second mortgage solutions, and secured business loan options for urgent settlement needs. We have provided strategic lending advice for this in the past, and can help assess your scenario. 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 loan solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1) What is the main advantage of a second mortgage for a tax settlement?
You keep your first mortgage in place, access equity quickly, and align staged drawdowns to your settlement plan, reducing cash flow strain.
2) Can interest be capitalised so my cash flow isn’t impacted?
Yes, we can structure capitalised interest for the term, so repayments don’t bite while you complete the tax settlement.
3) How fast can you settle if my deadline is this week?
With valuation, title, and any required consents ready, we can target same day settlement and funding within 24 hours for an urgent settlement.
4) What security do you accept?
Residential or commercial property only. We don’t accept other obscure assets as collateral.
5) What are typical exit strategies?
Refinance to long-term bank debt, sale or refinance of a property, proceeds from an asset sale, or forecasted receivables that comfortably repay the facility.
