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Luxury house

2nd Mortgages

With your existing mortgage untouched, access finance quickly and easily

Happy Family

Access Equity Without Refinancing Your First Mortgage

Maybe you’ve got a fixed rate mortgage you don’t want to break, or perhaps you don’t have time to wait around for a refinance to settle. Whatever the reason for leaving your existing mortgage untouched, a Second Mortgage can easily and promptly be arranged without disturbing the initial mortgage — so you don’t need to worry about getting your first lender involved in the process. 

Second Mortgage Advantages

  No credit checks.
  Bad credit loans.
  Prompt access to equity in property.

  Loan amounts from $25k up to $10mil.
  Receive cash within 24 hours.
  Access equity without having to refinance.

Fast Finance Solution

Mortgages are prioritised according to which one was issued first. A Second Mortgage gets its name because it’s exactly that — a mortgage being arranged behind an existing first mortgage. 


The initial mortgage provider has the first legal claim over the security property, so the Second Mortgage can be easily established without disturbing the existing arrangement — and permission from the first lender isn’t needed!


Equity in the security property can be quickly and easily accessed by simply using a Second Mortgage. 

Happy Couple
Business Owner

Approval Within Minutes

Second Mortgages can be organised over the phone in minutes with just:

  • a copy of the security property council rates notice, 

  • a mortgage statement, 

  • and 100 points of identification. 


With no credit checks, financial documents, or drawn-out assessment process, you can access cash quickly and simply. 

Cost-effective Short Term Finance

When considering short term finance options, you might find that interest rates of unsecured loans or credit cards are excessively high. Second Mortgages are secured by real estate property, so they are a cost-effective option for short term finance. 

No Credit Check Loans

Our flexible lending criteria means we do not need to run a credit check. So if you’ve got a bad credit history, a Second Mortgage could be for you. If you’ve got equity built up in your property, we can help you access it quickly and easily. 

Pay Off/Consolidate Debt

If you find yourself with significant debt, you might have a hard time accessing finance from many lenders. As long as you have equity in real estate, we can help you access the funds you need to get out of debt, including ATO tax obligations. 

Business Capital on Demand

With a simple approval process, you can access capital for your business within 24 hours. Second Mortgages suit businesses of all shapes and sizes, and can even be used by start ups. 

Finance for a range of purposes

If you’re ready to access your equity, we’re ready to help. 

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