About Us
Cash gaps hit hard when banks move slow or a project cannot wait. We set up second mortgage business loans in Dunedin that tap your available property equity for short term working capital, bridging, or debt consolidation so you can keep moving.
Our local team knows property secured business lending and the quirks of trading in Dunedin. We look at the whole picture and structure behind your first mortgage the right way, then move quickly while staying careful with valuations, legal work, and consent.
You get clear answers within 24 working hours once we’ve complete and correct documents, flexible repayment choices including interest only or principal and interest, the option to capitalise interest when that fits cash flow, and early repayment allowed subject to your contract. We accept residential or commercial security in Dunedin but not rural or lifestyle blocks, we can consider total lending up to about 90 percent loan to value ratio in strong cases, and we set out all costs in the loan agreement so you know the full picture.
We fund from 20,000 to 500,000 for three to twenty four months, with most second mortgages running six to twelve months and extensions possible, and in strong cases total lending can reach about ninety percent loan to value ratio. We secure against residential or commercial property in towns and cities, we don’t accept rural properties or lifestyle blocks, eligibility starts from six months trading for smaller loans and up to five years for the largest amount, second mortgage borrowers should show at least 20,000 dollars in monthly turnover, we consider credit scores but never alone, we don’t post fee amounts and set out application, valuation, legal and other costs in the loan agreement, and repayments can be interest only or principal and interest with weekly, fortnightly, or monthly schedules, and in some cases interest can be added to the balance.
You can contact our local team in Dunedin about second mortgage business loans and get a quick quote and timeline that fits your plan. Reach out to Dunedin Second Mortgage Business Loans now and we will map the documents needed and move from application to settlement without delay.
