About Us
Cash tied in property while payroll, suppliers, or growth plans need cash now happens a lot in Dunedin. At Dunedin Second Mortgage Business Loans we fund second mortgage business loans with fast indicative decisions inside 24 working hours when your documents are complete, and we handle loan structuring, valuation coordination, and settlement for uses like cash flow, tax arrears, stock purchases, or a bridge to bank finance.
Our team knows property backed business lending and we work with real trading numbers, real equity, and a clear exit plan. You get a quick read within 24 working hours when documents are complete, plus a local lender who will talk through risks and structure instead of hiding behind a scorecard, and we look past a credit score to the whole story.
You get speed and clarity with an initial decision in about twenty four working hours once we’ve full and correct documents, plus straight pricing up front that sets out application, valuation, and legal costs. We help you avoid common mistakes like overestimating property value, weak or unclear exit plans, missing statements, or trying to use rural or lifestyle property, because those cause delays, higher costs, declines, or a refinance under pressure, and we check title position and any caveats early to avoid late surprises.
Loan sizes run from $20,000 to $500,000 with terms from three to twenty four months and second mortgage loans usually sit at six to twelve months, pricing is risk based and higher than bank lending due to the short term and higher risk, repayments can be interest only or principal and interest, interest can be capitalised in some cases, and payment cycles can be weekly, fortnightly, or monthly. We accept residential or commercial property in Dunedin as security but not rural properties or lifestyle blocks, total lending can reach about ninety percent loan to value ratio in stronger scenarios with sufficient property equity required, minimum trading history starts at six months for smaller loans and increases up to five years for the maximum amount with at least twenty thousand dollars in monthly turnover, we consider credit scores but we do not rely on them on their own, we can give an indicative decision within twenty four working hours once complete and correct documents are in, and fees such as application, valuation, and legal are set out in the loan agreement with early repayment usually allowed under the contract.
Talk with Dunedin Second Mortgage Business Loans about second mortgage business loans Dunedin and get a quick quote today. Send your recent bank statements, basic financials, and property details so we can give you a prompt view and move to settlement as soon as the legal work is complete.
Fast Approvals - $20k to $500k
