About Us
Cash flow gaps, supplier pressure, or a custom-made purchase can stall growth. We arrange second mortgage business loans in Hamilton with short term, property secured funding for working capital, stock buys, project bridging, and debt tidy ups.
Property secured business lending is our lane and we’ve closed many second charges across residential and commercial property in Hamilton. We move fast with clear terms, handle valuations and title work, and underwrite based on trading history and a real exit plan rather than a single score.
You get speed and clarity with an initial decision in about twenty four working hours once we’ve full and correct documents, plus straight pricing up front that sets out application, valuation, and legal costs. We help you avoid common mistakes like overestimating property value, weak or unclear exit plans, missing statements, or trying to use rural or lifestyle property, because those cause delays, higher costs, declines, or a refinance under pressure, and we check title position and any caveats early to avoid late surprises.
We fund from 20,000 to 500,000 for three to twenty four months, with most second mortgages running six to twelve months and extensions possible, and in strong cases total lending can reach about ninety percent loan to value ratio. We secure against residential or commercial property in towns and cities, we do not accept rural properties or lifestyle blocks, eligibility starts from six months trading for smaller loans and up to five years for the largest amount, second mortgage borrowers should show at least 20,000 dollars in monthly turnover, we consider credit scores but never alone, we don’t post fee amounts and set out application, valuation, legal and other costs in the loan agreement, and repayments can be interest only or principal and interest with weekly, fortnightly, or monthly schedules, and in some cases interest can be added to the balance.
Talk with us about second mortgage business loans in Hamilton 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.
Fast Approvals - $20k to $500k