About Us
Bank timelines can blow up your plans and your cash flow takes the hit. We fund second mortgage business loans in Wellington for working capital, bridging a refinance, stock buys, payroll, or finishing jobs, and we do it fast.
We are local to Wellington and we know how to read your numbers, your equity, and your timeline. Our team has strong experience with property secured lending and we stay practical, fast, and clear from first call to settlement.
You get quick answers with an indicative yes or no within twenty four working hours when your documents are complete, loan sizes from twenty thousand to five hundred thousand with larger lines going to firms with longer time in business, three to twenty four month terms with most second mortgages running six to twelve months and extensions possible, risk based pricing that runs higher than bank lending because this is short term and higher risk, early repayment allowed under the contract, and fees such as application, valuation, legal, and other costs are listed in the loan agreement. We can accept residential or commercial property for security, we do not accept rural or lifestyle blocks, total lending can reach about ninety percent loan to value ratio in strong cases, repayments can be weekly, fortnightly, or monthly, interest only or principal and interest, and in some cases the interest can be added to the loan.
Second mortgage business loans through us cover working capital, bridging to refinance or sale, stock buys, urgent repairs, and tax catch up when timing matters. We secure against residential or commercial property in Wellington and not rural or lifestyle blocks, we can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, and we can give an indicative decision within 24 working hours when documents are complete and correct.
Talk to our local team about second mortgage business loans Wellington. Call or send a message to start your application or get a quick quote on funding terms today.