About Us
Cash gets tight and the bank moves slow, which can put payroll, supplier bills, and custom made deals at risk. We solve this with second mortgage business loans in Dunedin that enable short term funding against residential or commercial property equity for working capital, tax catch ups, inventory, or bridging between settlements.
Our team at Dunedin Second Mortgage Business Loans knows second charge lending and the quirks of local property in Dunedin. We assess the full story not just a score, move to an indicative approval in about one business day when documents are complete, and we handle first mortgage consent and deed of priority so the process stays on track.
You get practical options from 20,000 dollars to 500,000 dollars linked to your trading history and time in business, with most second mortgage terms from six to twelve months and extensions when the plan makes sense. You can repay weekly, fortnightly, or monthly on interest only or principal and interest, with interest capitalised when needed and early payout allowed under the contract.
Loans range from twenty thousand dollars to five hundred thousand dollars, terms run three to twenty four months with most second mortgages running six to twelve months, we take residential or commercial property as security but not rural or lifestyle blocks, pricing is risk based and higher than bank lending, and all costs such as application, valuation, and legal are set out in your agreement. Eligibility rises with loan size with at least six months trading for smaller loans up to five years for the maximum amount, at least twenty thousand dollars in monthly turnover, enough equity, and we can give an indicative approval within twenty four working hours once complete and correct documents are in, then we order valuation, work with your first mortgage holder on consent and priority, and settle.
Talk to us about second mortgage business loans in Dunedin and ask for a quick quote or a fast call back so you can move on your plan now. Send your basics today and we’ll reply within one business day.
Fast Approvals - $20k to $500k