Common sense lending for all purposes.

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Second mortgage loans for all purposes.

We lend to individuals and companies looking for short to medium term loans for any purpose. We take a common sense approach to lending and can often assist when the banks cannot.

  • Purchase, refinance or cash out.
  • Urgent bridging loans and short term loans.
  • Business and personal loans.
  • Vacant land.
  • Cash out & ATO Debts.
  • Commercial property.
  • Non-residents, bad credit or self employed.

Second mortgage finance

They are basically a loan that is secured on your real estate property behind another current mortgage you may have. They are usually only short term solutions and the loan can be obtained within days of approval.

The reasons for second mortgages are endless, however here are just a few:

  1. Business cash flow.
  2. ATO debts.
  3. House renovations.
  4. Construction costs.
  5. Developments.
  6. Bridging finance.

They are usually obtained when borrowers need quick and hassle free funding and can’t go to the banks.

Most lenders these days are online and you can submit your scenario and get an answer within hours.

They will usually issue a no obligation loan offer outlining the terms and costs. If you are satisfied with the terms sign the offer and return it to the lender. They will then do some checks and enquiries and provided they prove satisfactory they will proceed with issuing the documents and settlement of the loan.

Usually when they require the funding quickly. Sometimes you are stuck in a position where the banks can’t help, you need finance and you know how you are going to pay it back.

Sometimes the banks just cannot act fast enough or you may have a bad credit history or track record. A second mortgage loan can assist you in getting over these hurdles.

The loans are usually taken out for a period between 1 and 12 months and they provide a short to medium term fix. They are not a long term finance solution.

The main requirements to apply are (amongst other things);

  • That you have enough equity in your real estate. Lenders will typically lend up to 65 to 75% of the security properties value (less the first mortgage amount).
  • That you have a strong plan to repay the funds. This is usually by sale, refinance or by lump sum payment from other means.

Why use for your property finance?

Direct lender

We value your time and we focus on making it quicker and easier for us to work together.

Fast settlements

Our process is simple and our decisions are fast. Funding is possible in as little as 48 hours.

Dedicated support

Online and phone support so you can speak to a real person about your needs.

How do I get started?


Express enquiry:

Fill out our Express Quote or call 1300 44 33 19.


Conditional approval:

Receive a conditional approval the same day if we can fund your loan.


Formal approval:

We complete our due diligence on the loan and on formal approval loan documents are signed. 



Within days, not weeks or months. We have settled loans in as little as 48 hours.