About Us
Cash flow gets tight and most of your funding sits behind a first mortgage. We arrange second mortgage business loans in Wellington secured against residential or commercial property to access fast working capital, bridge to refinance or sale, and fund urgent projects.
Our local team knows short term and transitional funding cold and we match structure to a real exit like a refinance or a sale. We focus on trading history, equity, and the story behind the numbers, and we keep the process clear so you know costs, timing, and next steps.
You get fast answers when your file is complete, often an indicative decision within twenty four working hours, and we set out pricing and fees in the loan agreement including application, valuation, and legal costs, and early repayment is usually allowed under the contract terms. We look past just a credit score, accept both residential and commercial security, can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, may capitalise interest where it fits, and in strong cases total lending can reach about ninety percent combined loan to value ratio with risk based pricing that sits higher than bank lending because these loans are short term and higher risk.
Our core work is second mortgage lending, short term bridging, and top up working capital against property equity, which can help you cover a gap, win a deal, or steady cash flow while you move to bank funding, and we set everything out in a clear loan agreement with application, valuation, legal, and other costs listed. We don’t publish a rate range because pricing is risk based and higher than bank lending, eligibility starts from six months trading for smaller loans and up to five years for the maximum amount with a minimum monthly turnover of twenty thousand and enough equity to support the lend, and credit scores are considered but not used on their own.
Talk with our team at Wellington Second Mortgage Business Loans about second mortgage business loans in Wellington and request a quote today. Call or send your recent bank statements, financial statements, and property details so we can confirm options quickly and get your funding moving.
Fast Approvals - $20k to $500k
