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Second Mortgages

At Assurity Capital, we specialise in providing fast and flexible second mortgage loans to borrowers across Australia. Whether you're looking to release equity, consolidate debt, support business cashflow, or resolve short-term funding gaps, a second mortgage loan can be a powerful solution without disrupting your existing first mortgage.

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Please note: We do not offer regulated (NCCP) consumer loans or owner-occupied home loans.

 

What Is a Second Mortgage Private Loan?

A second mortgage is a loan secured against your property, behind an existing first mortgage. This means the lender of the second mortgage ranks second in priority for repayment if the property is sold. These loans are often used for:

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Unlike traditional banks, we provide common-sense lending that focuses on the asset, not your credit score or income.

 

Common Uses for Second Mortgage Loans

Assurity Capital funds second mortgage loans for a wide range of non-coded purposes, including:

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Our loans are strictly for business or investment purposes only. We do not fund personal or owner-occupied home loans.

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Why Choose Assurity Capital for Second Mortgages?

With years of experience as a private lender, we understand that traditional financing doesn’t always work for everyone. Our approach is flexible, fast, and discreet.

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Our Key Advantages:

  • Fast approvals — within 24–48 hours in many cases

  • No upfront valuations required (in somes cases)

  • Flexible LVRs — up to 75% combined on 1st and 2nd mortgages

  • Tailored loan structures for complex scenarios

  • No credit scoring – asset-based lending

  • Short-term or interest-only options

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We lend from $50,000 up to $5M+, with terms from 3 to 24 months depending on your needs.

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Where We Lend

We provide second mortgage loans throughout Australia, including:

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Whether your security is a residential, commercial, or rural property, we’ll assess your scenario quickly and confidentially.

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Second Mortgage vs Refinance

Many borrowers consider refinancing their first mortgage when they need extra funds. But refinancing can be:

  • Time-consuming

  • Costly (break fees, new bank terms)

  • Risky (higher monthly repayments)

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A second mortgage is a faster, less intrusive option when:

  • Your financials are not up-to-date

  • The property is already cross-collateralised

  • You're mid-way through a fixed-rate loan

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It lets you borrow without disturbing your existing facility.

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Common Second Mortgage Scenarios

We’ve helped clients secure second mortgages for:

  • A builder needing $150K to complete a residential development

  • A business owner using a holiday home to pay tax arrears

  • An investor bridging the gap between selling and buying

  • A borrower consolidating credit card and personal debt into one

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Each solution was tailored to the borrower’s needs — not just a one-size-fits-all product.

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Apply for a Second Mortgage Today

If you’re looking for a second mortgage lender that works with brokers, accountants, business owners, and property investors, Assurity Capital is here to help. We pride ourselves on fast assessments, transparent pricing, and common-sense lending.

Email: scenario@assuritycapital.com.au
Phone: (02) 9389 1077
Contact us or speak to us confidentially about your scenario.

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Apply for a Second Mortgage Today

If you’re a business owner, investor, or developer looking to unlock equity in your property, a second mortgage loan from Assurity Capital could be the right fit.  Contact us today for a confidential discussion or to request a quote.

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Frequently Asked Questions

Can I get a second mortgage with bad credit?

Yes. As a private lender, we focus on the property’s equity rather than your credit history.

 

Do I need to refinance my first mortgage?

No. A second mortgage is secured behind your existing loan, so refinancing isn't required.

 

How quickly can you approve a second mortgage loan?

In many cases, approval is given within 24–48 hours, and funding can occur in 3–5 days.

 

Is a valuation required?

In some cases, no formal valuation is needed, especially if the leverage is conservative.

 

What security do you accept?

We accept houses, units, vacant land, commercial, and industrial properties across Australia.

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