About Us
Cash flow stalls or a time limited opportunity can hit when your bank is slow or at its limit in Auckland. We use second mortgage business loans to access equity in your residential or commercial property with short term funding, fast decisions, and a simple path handled by Auckland Second Mortgage Business Loans.
Our team has deep experience structuring short term property secured funding that sits behind your first mortgage. We expect at least $20,000 in monthly turnover and a trading history that grows with the loan size, we know the Auckland market, we look at your equity, trading strength, and exit plan not just a score, and we can give an indicative decision within 24 working hours when documents are complete.
You get risk-based pricing that reflects short-term, higher risk, property-secured lending plus flexible repayments that can match your cash cycle. Set it up right and it works as short-term funding, set it up wrong and you risk delays, extra costs, or pressure on repayments that can put you in default under the loan agreement.
We fund from 20,000 to 500,000 with terms from three to twenty four months, with most second mortgages running six to twelve months and extensions possible. Pricing is risk based and higher than bank lending, all loans are secured against property equity, rural properties and lifestyle blocks aren’t accepted, trading history starts at six months for smaller loans and can be up to five years for the largest loans, monthly turnover must be at least 20,000, interest can be capitalised or paid as principal and interest, and repayments can match your cash flow. You send recent bank statements, trading figures, rates notices, and mortgage details, we order valuation and confirm first mortgage consent, then we issue terms, instruct lawyers, and aim to give an indicative decision within twenty four working hours once the file is complete and correct.
You can contact our Auckland team about second mortgage business loans today. You can ask for a quick call and a quote so we can map out the numbers and timing that fit your next move.
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