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 Wellington that enable short term funding against residential or commercial property equity for working capital, tax catch ups, inventory, or bridging between settlements.
Second mortgages are what we do every day in Wellington, so we move fast and get the structure right. We check your equity, trading strength, and exit plan up front, and we flag common trip-ups like overestimating value, thin turnover, missing documents, or no clear way to repay which can cause delays, higher costs, or a decline.
Loan sizes run from 20,000 to 500,000 with terms from 3 to 24 months, second mortgage loans most often sit at 6 to 12 months with extension options, and we don’t take rural properties or lifestyle blocks. We accept residential or commercial property as security, total lending can reach about 90 percent loan to value ratio in strong cases, repayments can be interest only or principal and interest on a weekly, fortnightly, or monthly cycle, interest can be capitalised, pricing is risk based and higher than bank rates, valuation and legal steps are part of every file, fees and costs are set out in the agreement, and early repayment is usually fine under the contract.
We arrange second mortgage business loans for working capital, bridging between a purchase and a sale, clearing arrears or tax pressure, or custom made stock and equipment buys so your plans do not stall. We accept residential and commercial security only, look for at least six months of trading for smaller loans and up to five years for the largest amounts, expect monthly turnover of about twenty thousand dollars, offer interest-only or principal-and-interest with weekly, fortnightly, or monthly payments, can capitalise interest in some cases, and early repayment is generally allowed under the contract.
Talk with us about second mortgage business loans in Wellington and get a clear plan and timeframe. Call or send a message for a straight quote and fast next steps.
Fast Approvals - $20k to $500k