SECOND MORTGAGE
Access your equity. Keep your first.
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Overview
Equity access without the disruption.
A second mortgage sits behind an existing first mortgage on your property. It allows you to access the equity you have built up without needing to refinance, break a fixed rate, or disturb a relationship with your primary lender.
This is a common solution for borrowers who need capital quickly but do not want to — or cannot — go through a full refinance. We assess the combined loan-to-value ratio across both facilities and fund accordingly.
Second mortgages are frequently used by business owners, developers, and investors who need short-term capital and have a clear repayment strategy.
Key features
- Second-ranking registered mortgage — first mortgage stays in place
- Combined LVR up to 80%
- No need to refinance or break your existing loan
- Fast settlement — often within 5 business days
- Interest-only repayments
- Flexible exit via sale, refinance, or cash flow
Who is this for?
Capital raise
Raise capital for business expansion, investment, or personal purposes using the equity in your property — without touching your first mortgage.
Capital raise
Raise capital for business expansion, investment, or personal purposes using the equity in your property — without touching your first mortgage.
Business funding
Inject working capital into your business when the banks are too slow. A second mortgage can be settled in days, giving you the runway you need.
Business funding
Inject working capital into your business when the banks are too slow. A second mortgage can be settled in days, giving you the runway you need.
Bridging a shortfall
Cover a short-term funding gap — such as a deposit shortfall or settlement timing issue — while your primary exit strategy plays out.
Bridging a shortfall
Cover a short-term funding gap — such as a deposit shortfall or settlement timing issue — while your primary exit strategy plays out.
Frequently asked questions