About Us
Banks move slow when you need money now, which can stall payroll, stock purchases, or a project already underway. We at Auckland Second Mortgage Business Loans fund second mortgage business loans in Auckland with short terms, quick decisions, and property-secured funding that covers short-term needs until a refinance, sale, or seasonal revenue arrives.
Our team has deep local experience with short term, property secured lending and we keep the process tight from first call to settlement with risk based pricing that’s higher than bank lending but explained in plain words. We look beyond a single credit score, can consider total lending up to about ninety percent loan to value in strong cases, and focus on structures that actually settle on time.
You get prompt answers, often an indicative decision within twenty four working hours once we’ve complete and correct documents, clear pricing that is risk based and higher than bank lending, and repayment choices that fit cash flow with early repayment allowed under the contract, and we do not publish a rate range. The common mistakes are mismatching the loan term to the exit plan, overestimating property value, sending incomplete documents, or offering rural or lifestyle security, and those can lead to delays, added costs, default charges, or a pressured refinance.
We take residential or commercial property as security, not rural land or lifestyle blocks, and we lend from twenty thousand dollars to five hundred thousand dollars with loan size linked to business trading history from six months for smaller loans up to five years for the maximum amount, and we expect at least twenty thousand dollars in monthly turnover with credit scores reviewed in context and equity required. We outline application, valuation, legal and other costs in the loan agreement, we can set repayments weekly or fortnightly or monthly, and we settle once valuation and legal work are complete.
Talk with us about second mortgage business loans in Auckland today and see what your property equity can do for your business. Call or message to start a quick review and get a quote from our team.
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