About Us
Cash is tied up in property while bills and growth cannot wait in Wellington. Wellington Second Mortgage Business Loans solves that with second mortgage business loans secured against your property for working capital, bridging to a refinance or sale, tax arrears, stock, equipment, or renovations, with fast decisions and a clear exit plan.
Our team at Wellington Second Mortgage Business Loans knows the local market and has real experience getting property secured business lending done in Wellington, and we move fast with indicative decisions in twenty four working hours when your documents are complete and correct. We look at the whole picture including equity, trading history, and cash flow rather than a credit score alone, we guide you through valuation and legal steps, and we are upfront about risk based pricing, with application, valuation, and legal costs set out in your loan agreement, and we do not publish a rate range because pricing is higher than bank lending and tailored to the risk and term.
You get a quick yes or no, plain pricing, and a structure that fits how your cash comes in. We look beyond a credit score, accept residential or commercial security, can fund up to about a ninety percent loan to value ratio in strong cases, allow early repayment, set repayments weekly or fortnightly or monthly, and list application, valuation, legal, and other costs in the loan papers before you sign.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Talk with Wellington Second Mortgage Business Loans in Wellington about second mortgage business loans Wellington and get a fast, plain answer and a written quote. Call or send your latest bank statements, profit and loss, a rates notice, and your rough property value so we can start today.
