About Us
Cash flow gaps and bank delays can put growth, payroll, or a custom made settlement at risk. We fund second mortgage business loans in Dunedin secured behind your first mortgage on residential or commercial property so you can unlock short term working capital fast.
Our team has deep local experience with short term, property secured lending and we keep the process tight from first call to settlement with risk based pricing that is higher than bank lending but explained in plain words. We look beyond a single credit score, can consider total lending up to about ninety percent loan to value in strong cases, and focus on structures that actually settle on time.
You get loan sizes from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty four months and most second mortgage loans sitting around six to twelve months, and we can allow interest only or principal and interest with interest capitalised when that helps cash flow, and repayments can be weekly, fortnightly, or monthly. Pricing is risk based and higher than bank lending for this short term funding, indicative decisions often come within twenty four working hours when documents are complete, total lending can reach about a ninety percent loan to value ratio in strong cases, early repayment is usually fine under the contract, and we accept both residential and commercial property while rural and lifestyle blocks are out.
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 do not accept, and getting these wrong can cause delays, added costs, default risk, or pressure from your first mortgagee.
You can contact our Dunedin team about second mortgage business loans today. You can ask for a quick call and a quote so we can map out the numbers and timing that fit your next move.
Fast Approvals - $20k to $500k
