Second Mortgages
Unlock Equity with a Flexible Second Mortgage – Business & Investment Purposes Only
At Assurity Capital, we specialise in second mortgage private loans for borrowers who need fast access to equity without disturbing their first mortgage. Whether for business, development, or investment needs, our second mortgages are tailored for non-coded loan scenarios only—we do not offer regulated consumer loans.
If you need to consolidate debt, access cash flow, or fund a commercial opportunity, a second mortgage can be the perfect solution.
What Is a Second Mortgage Private Loan?
A second mortgage is a loan secured by a registered second charge on a property that already has an existing first mortgage. The second mortgage ranks behind the first in priority, but still offers a fast and flexible way to unlock equity in real estate.
Assurity Capital provides second mortgages for:
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Business cash flow or expansion
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Debt consolidation
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Urgent tax, ATO, or creditor payments
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Refinancing from other private lenders
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Property improvement, development, or acquisition
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Bridging finance pending sale or refinance
All loans must be for non-personal, non-domestic purposes.
We do not provide NCCP-regulated loans for owner-occupied or consumer use.
Why Borrowers Choose Assurity Capital for Second Mortgages?
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Fast Settlements - We can settle second mortgages in 2–5 business days, often with no formal valuation required for lower LVRs.
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Loan Amounts from $50,000 to $2,000,000, From small working capital loans to large structured facilities.
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Up to 70% Combined LVR across 1st and 2nd mortgages, based on location, asset type, and exit strategy.
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Flexible Security. We lend against residential, commercial, and multi-property security Australia-wide.
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Minimal Paperwork. We focus on asset value and purpose—not lengthy income verification or tax returns.
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No Consumer Loans. We only fund non-coded, business or investment-purpose loans.