About Us
Bank delays can choke cashflow and kill a deal you should win. We fund second mortgage business loans in Dunedin backed by property equity, from 20,000 dollars to 500,000 dollars, with fast decisions and short term structures for bridging, working capital, and project needs.
At Dunedin Second Mortgage Business Loans, we are a local team in Dunedin with deep experience in property secured business lending, and we build clean, short term structures that match your exit. We explain pricing up front, which is risk based and higher than bank lending, we set clear loan to value ratio limits for your case, and we stay on the file until settlement with straight answers.
You get fast decisions from people who live and work in Dunedin, with indicative answers within twenty four working hours when the documents are complete, and we answer the phone when you need clarity. We fund risk based and higher than bank pricing for three to twenty four months, usually six to twelve months, with early repayment allowed as set out in the loan agreement, and in strong cases total lending can reach about ninety percent loan to value with interest only or principal and interest choices and the option to capitalise interest.
Loans run from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty-four months, and most second mortgage business loans run six to twelve months with extensions possible. We secure against residential or commercial property in Dunedin and not rural or lifestyle blocks, pricing is risk-based and higher than bank lending, eligibility grows with time in business from six months for smaller loans up to five years for the largest with a minimum monthly turnover of twenty thousand dollars, interest can be paid weekly or fortnightly or monthly, early payment can be allowed under the contract, total lending may reach about ninety per cent loan-to-value in stronger cases, and application, valuation, legal, and other costs are set out in your loan agreement.
Talk with us about second mortgage business loans in Dunedin today and see what your property equity can do for your business. Call or message to start a quick review and get a quote from our team.
Fast Approvals - $20k to $500k
