About Us
Cash flow gaps hit fast when a supplier calls or a tax bill lands in Wellington. We solve it with second mortgage business loans that release equity in a residential or commercial property for three to twenty four months, most often six to twelve, from twenty thousand to five hundred thousand based on your trading history.
At Wellington Second Mortgage Business Loans, we’re a local team in Wellington with deep experience in property secured business lending, and we build clean, short term structures that match your exit. We explain pricing up front, which is risk based and higher than bank lending, we set clear loan to value ratio limits for your case, and we stay on the file until settlement with straight answers.
You get loan sizes from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty four months and most second mortgage loans sitting around six to twelve months, and we can allow interest only or principal and interest with interest capitalised when that helps cash flow, and repayments can be weekly, fortnightly, or monthly. Pricing is risk based and higher than bank lending for this short term funding, indicative decisions often come within twenty four working hours when documents are complete, total lending can reach about a ninety percent loan to value ratio in strong cases, early repayment is usually fine under the contract, and we accept both residential and commercial property while rural and lifestyle blocks are out.
We fund from twenty thousand dollars to five hundred thousand dollars on terms from three to twenty four months with most second mortgage business loans running six to twelve months and we can set interest only or principal and interest with weekly, fortnightly, or monthly repayments and capitalised interest when that suits the plan. To qualify you need a trading history that grows with loan size from six months on smaller amounts to five years on the maximum, minimum monthly turnover of twenty thousand dollars, strong equity in acceptable property since rural or lifestyle blocks aren’t taken, and clean, correct documentation for quick indicative approval while credit scores are considered but not the deciding factor on their own, and the big mistakes to avoid are asking for the maximum with thin history, submitting incomplete paperwork, or skipping a clear exit which can lead to delays, higher costs, extensions, or even forced sales.
You can contact our local team in Wellington about second mortgage business loans and get a quick quote and timeline that fits your plan. Reach out to Wellington Second Mortgage Business Loans now and we’ll map the documents needed and move from application to settlement without delay.
Fast Approvals - $20k to $500k
