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Secured Lending Second Mortgage Loan

Short-term business loan of $250K to $10M secured by a second mortgage behind your existing first mortgage, for 1 to 24 months.

Specialist & Private FinanceBusiness LoansNon-Cashflow / Asset-Backed Finance
Source dated 26 Sept 2026
Amount
$250K to $10M
Term
1 mth to 2 yrs
Rate
From 11.95% p.a. fixed
Max LVR
Up to 70%
Enquire about this product

Product details

As published by Secured Lending. Details not published by the lender are marked.

Loan amount
$250K to $10M
Rate
From 11.95% p.a. fixedStarting rate published on the product page ("Fixed interest rates: starting from 11.95% p.a.") with no as-at date; figures as displayed on 2026-09-26. The page's site-wide footer block also shows the lender-wide "Rates from 9.7% p.a", which is not specific to second mortgages.
Maximum LVR
Up to 70%
Rate type
Fixed
Term
1 mth to 2 yrs
Security
Property-secured
Structure
Term loan
Fees
Application fee of $2,000, payable only on execution of the letter of offer
Funding time
Settlement within 24 hours for qualifying applications
Restrictions
Lends only to companies, family trusts, unit trusts and SMSFs (not individuals); business or investment purposes only; combined LVR up to 70%
How to apply
Direct with the lender, or through us
Not published by Secured Lending
repayment frequency, early repayment, time trading, turnover, documents, guarantees
Suitable purposes
Tax debtGrowthCash flowRefinance

About Second Mortgage Loan

Secured Lending publishes these details for Second Mortgage Loan: structure term loan; loan amount $250K to $10M; term 1 mth to 2 yrs; security property-secured; maximum LVR up to 70%; funding time settlement within 24 hours for qualifying applications. Not published by Secured Lending for this product: time trading, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Secured Lending products

  • ATO Tax Debt Loan: Funding time is settlement within 24 hours for qualifying applications here and finance within 24 hours for ATO Tax Debt Loan; suitable purposes is tax debt, Growth, Cash flow, Refinance here and tax debt for ATO Tax Debt Loan.
  • Bridging Loan: Structure is term loan here and bridging loan for Bridging Loan; funding time is settlement within 24 hours for qualifying applications here and finance within 24 hours for Bridging Loan; suitable purposes is tax debt, Growth, Cash flow, Refinance here and cash flow, Something else for Bridging Loan.
  • Caveat Loan: Structure is term loan here and caveat loan for Caveat Loan; documentation is published for Caveat Loan (no full financials or tax returns) but not for this product; funding time is settlement within 24 hours for qualifying applications here and finance within 24 hours; in most cases approved and settled within 24 to 48 hours for Caveat Loan; suitable purposes is tax debt, Growth, Cash flow, Refinance here and cash flow, Tax debt, Equipment, Stock for Caveat Loan.
  • First Mortgage Loan: Funding time is settlement within 24 hours for qualifying applications here and as little as 24 to 72 hours from approval in straightforward cases; complex transactions typically 5 business days for First Mortgage Loan; suitable purposes is tax debt, Growth, Cash flow, Refinance here and commercial property, Refinance, Tax debt, Growth for First Mortgage Loan.

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