About Us
Banks move slow and cash flow doesn’t wait, so deals fall over and bills stack up. At Dunedin Second Mortgage Business Loans in Dunedin, we arrange second mortgage business loans that use your property equity to access short-term working capital, bridging funds, or a fast refinance with a clear exit plan.
Our team has deep skill in short-term, property-secured lending, with a strong track record structuring second ranking mortgages that settle on time, and our straight talk and local knowledge in Dunedin set us apart. Common mistakes are weak exit plans, missing documents, or optimistic valuations that push loan to value ratio too high, and those can cause delays, added costs, a decline, or default that puts your property at risk.
You get practical structures such as loan sizes from twenty thousand to five hundred thousand, terms from three to twenty four months with most second mortgages running six to twelve months, and repayment choices that can be interest only or principal and interest with weekly, fortnightly, or monthly schedules, with interest capitalised in some cases. We look at real turnover of at least twenty thousand per month, your trading history which ranges from about six months for small loans up to five years for the largest amounts, and your equity position rather than leaning on credit score alone, and in strong cases total lending can reach about ninety percent loan to value ratio.
We fund bridging to refinance or sale, stock and payroll, tax arrears, deposits for new sites, and project gaps, and we handle valuations, legal work, and first mortgagee consent, and pricing is risk based and higher than bank lending with fees for application, valuation, legal, and other costs detailed in the loan agreement and early repayment usually allowed under the contract. The common mistakes are weak exit plans, incomplete documents, over optimistic time frames, or offering rural or lifestyle property which we don’t accept, and getting these wrong can cause delays, added costs, default risk, or pressure from your first mortgagee.
Talk with our Dunedin team about second mortgage business loans today and get a straight answer within one business day when your documents are complete and right. Call or message Dunedin Second Mortgage Business Loans to get a quote and a clear path to funding.
Fast Approvals - $20k to $500k
