You’re considering a second mortgage loan for yield enhancement because you see a clear path to stronger income. At Secured Lending, we’ve advised and assisted borrowers on this for years, and we’ve facilitated over 200 strategic second mortgages. Secured Lending can help you move fast with a second mortgage loan for yield enhancement. If a renovation, fit‑out, stock buy, or equipment upgrade can lift rents or revenue, we structure capital so you capture the upside without disturbing your first mortgage. Assess your scenario today.
What a Second Mortgage Can Do for Yield
A second mortgage sits behind your primary home or commercial loan and releases equity without refinancing the first facility. For yield enhancement, it’s a way to fund improvements that increase income and value.
- Upgrade or refurbish income assets to justify higher rents, improve tenant mix, or reduce vacancy.
- Purchase inventory in bulk at discount to lift margins and sales velocity.
- Add equipment or technology that increases throughput, reduces labour cost, and stabilises service levels.
- Execute time-sensitive marketing or seasonal campaigns that drive revenue while competitors hesitate.
- Complete value-add works ahead of sale or lease renewal to lock in stronger terms.
When It Makes Sense
You have a clear plan to lift income and a realistic timeline to repay from cash flow, refinance, or sale. You want speed without disturbing a good first mortgage. You value certainty over chasing cheaper terms that cost you the opportunity.
Situations we support include urgent settlement, bridging between contracts, emergency repairs, and projects where same day settlement or funding within 24 hours protects the deal.
How We Structure Second Mortgage Capital
Secured Lending reviews your goals, the security property, and your cash-flow plan. We structure a second mortgage or secured business loan facility that aligns with your exit: refinance, sale, or amortisation. We coordinate with your first mortgagee, arrange valuations where required, and confirm a drawdown plan matched to milestones, not guesswork.
Depending on security position and scenario, talk to us about an interest rate of 11.95% and ability to borrow up to $10 million. Terms are short, and designed to bridge from investment to outcome.
Why Work with a Private Lender
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Being a private lender means decisions are local, practical, and fast. We can move from term sheet to settlement quickly because we control credit and coordinate legals.
We also arrange bridging loans where a short gap stands between you and the next income milestone.
Security, Speed, and Certainty
You can leverage residential or commercial property as collateral/security. We don’t accept obscure assets as collateral. That focus lets us assess risk quickly and keep conditions clear.
Real-World Examples
- A commercial landlord funding lobby and amenities upgrades to lift rents at renewal and attract stronger tenants.
- A manufacturer adding efficient machinery to increase output per shift and secure a higher-value contract.
- A hospitality group completing fit‑outs across two venues to lift ADR and capture seasonal demand.
- A developer bridging to practical completion, then refinancing once presales converted.
What to Consider Before You Proceed
Be deliberate. A second mortgage should turn capital into improved cash flow or asset value within a defined window. Review:
- Exit: refinance, sale, or amortisation with surplus cash.
- Return: expected income lift net of costs, downtime, and contingency.
- Timing: build and lead times, supply risk, and approvals.
- Consents: first mortgagee requirements and any covenants on works or leasing.
- Buffers: interest, fees, overruns, and a realistic go-live runway.
How We Can Help
Secured Lending specialises in short-term, outcome-focused finance that helps you improve yield or income performance without derailing existing banking. We’ve provided strategic lending advice for this in the past and arranged second mortgage facilities that keep projects moving while you protect first-mortgage relationships. We’re set up for speed: streamlined documents, direct credit access, and coordinated legals so you can achieve same day settlement where feasible. If timing is tight, we prioritise funding within 24 hours. Whether you need bridging loans to align settlements or a targeted second mortgage for works that lift revenue, we review, structure, and coordinate so you can move quickly. Start a conversation and we’ll assess your scenario with clarity and respect.
Frequently Asked Questions
- Do you lend Australia-wide? Yes—nationwide.
- What security is acceptable? Residential or commercial property only.
- How fast? Same day settlement or funding within 24 hours.
- Do you work with my bank? Consent and coordination handled.
- Can I repay early? Yes; structured to minimise break costs, if any.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team specialises in urgent short term loan solutions such as bridging finance, second mortgages, and caveat loans.
