About Us
Cash is tight, the bank is slow, and the window to move is closing. We fund second mortgage business loans in Auckland with short terms, quick answers, and property backed options that bridge time and cash gaps, and the big mistakes we see are waiting too long, overestimating value, or skipping an exit plan which leads to delays, higher cost, or a forced sale.
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.
We give prompt answers with indicative approval in twenty four working hours when your documents are complete, terms from three to twenty four months with most second mortgages running six to twelve months and extension options, and drawdowns that stick to the timeline. Pricing is risk based and higher than bank lending, but we offer options like interest only, capitalised interest, and flexible weekly, fortnightly, or monthly repayments that keep your cash flow steady, and early repayment is allowed under your contract terms.
We fund from twenty thousand dollars to five hundred thousand dollars with terms from three to twenty four months, and second mortgage loans are usually six to twelve months with extensions possible, and loan size links to your business trading time from about six months for smaller loans up to five years for the largest amounts with a minimum monthly turnover of twenty thousand dollars and enough equity to support the deal. You apply by sending clean bank statements, simple financials, property details, and identification so we can order valuation and legal work, then we settle fast if the numbers stack up, and skipping any of this or guessing a property value or hiding existing caveats can cause delays, extra fees, or a decline that can put pressure on cash flow and even trigger default with your other lenders.
Talk with us about second mortgage business loans Auckland and get a straight funding quote that matches your timeline and exit plan. Call or send your details today and we will map the steps and get your file moving.
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