About Us
Cash is tight but your equity is strong and the window to move is small. We arrange second mortgage business loans in Auckland that unlocks working capital, clear tax pressure, fund stock or equipment, bridge a refinance, or tidy up urgent payables so you can keep trading.
Clients work with a local team that knows property secured lending and moves quickly without cutting corners, with indicative answers in about 24 working hours when documents are complete and right. We use real underwriting rather than a computer score, give clear terms up front, help you avoid missteps that slow approval or raise costs, and treat credit scores as one part of the picture.
You get quick answers with an indicative yes or no within twenty four working hours when your documents are complete, loan sizes from twenty thousand to five hundred thousand with larger lines going to firms with longer time in business, three to twenty four month terms with most second mortgages running six to twelve months and extensions possible, risk based pricing that runs higher than bank lending because this is short term and higher risk, early repayment allowed under the contract, and fees such as application, valuation, legal, and other costs are listed in the loan agreement. We can accept residential or commercial property for security, we don’t accept rural or lifestyle blocks, total lending can reach about ninety percent loan to value ratio in strong cases, repayments can be weekly, fortnightly, or monthly, interest only or principal and interest, and in some cases the interest can be added to the loan.
We offer second mortgage business loans with terms from 3 to 24 months, with most set at 6 to 12 months, secured against residential or commercial property, and we do not accept rural property or lifestyle blocks. Loan sizes range from 20 thousand to 500 thousand, total lending can reach about 90 percent loan-to-value ratio in strong cases, eligibility starts from 6 months trading history for smaller loans and up to 5 years for the largest, a minimum monthly turnover of 20 thousand is expected, credit scores are weighed but not used on their own, interest-only or principal-and-interest are both available, interest can be capitalised, repayments can be weekly, fortnightly, or monthly, early repayment is often allowed under contract terms, extensions can be considered, fees such as application, valuation, legal, and other costs are set out in the loan agreement, and we can give an indicative decision within 24 working hours when your documents are complete and correct.
Speak with our Auckland team about second mortgage business loans today. Call or message Auckland Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
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