About Us
Cash flow gets tight, projects stall, and the bank says wait. We solve that with second mortgage business loans in Dunedin that release property equity fast, with short term funding, flexible repayments, and a clear exit plan from day one with Dunedin Second Mortgage Business Loans.
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.
Loans range from 20,000 dollars to 500,000 dollars with the largest amounts linked to longer trading history, and typical terms run 6 to 12 months with options from 3 to 24 months if the deal needs it. Pricing is risk based and higher than bank lending, total lending can reach about 90 percent loan to value ratio in strong cases, repayments can be weekly, fortnightly, or monthly, interest may be interest only or principal and interest with the option to capitalise, early repayment is usually allowed under the contract, and fees are set out in the loan agreement.
Our second mortgage business loans range from 20,000 to 500,000 with larger amounts tied to longer trading history from six months for smaller loans up to five years for the largest loans, we accept residential or commercial security but not rural properties or lifestyle blocks, we consider credit but focus on turnover of at least 20,000 a month and enough equity, and we can look at total lending up to about 90 percent loan to value ratio in strong cases. We handle the steps end to end including document collection, valuation, title checks, consent where required, second charge registration, and settlement, and we help you avoid common mistakes like weak exit plans, missing the true cost of fees and legal work, using short term funds for long term needs, or overextending the loan to value ratio which can lead to declined deals, higher costs, or pressure at refinance, and all application, valuation, legal, and other costs are set out in your loan agreement.
Talk with us about second mortgage business loans in Dunedin and get a clear quote and timeline from Dunedin Second Mortgage Business Loans. Call or send a message and we will map the funding and the exit plan so you can move on your next step.
Fast Approvals - $20k to $500k
