About Us
Banks move slow when your cash needs are right now. We arrange second mortgage business loans in Hamilton that use your property equity to cover tax, payroll, stock buys, supplier pressure, or a tight settlement, and we handle the valuation, legal work, and settlement end to end.
Our team at Hamilton Second Mortgage Business Loans knows second charge lending and the quirks of local property in Hamilton. We assess the full story not just a score, move to an indicative approval in about one business day when documents are complete, and we handle first mortgage consent and deed of priority so the process stays on track.
You get access to residential or commercial property security with combined loan to value ratios that may reach about ninety percent in strong cases, interest only or principal and interest options, the ability to capitalise interest to smooth cash flow, and repayment timing set weekly, fortnightly, or monthly. We are steady on communication, we lay out pricing up front because it’s risk based and higher than bank lending with no published rate range, fees for application, valuation, legal, and other costs are set out in the loan agreement, and early repayment is usually allowed under the contract.
We accept residential or commercial property as security, we don’t accept rural property or lifestyle blocks, we can consider total lending up to about ninety percent loan to value ratio in strong cases, typical terms are six to twelve months with extensions, and total term can run three to twenty four months. Minimum trading history starts at six months for smaller loans and rises to five years for the largest amounts, we expect at least twenty thousand dollars in monthly turnover, we consider credit scores without relying on them alone, repayments can be weekly, fortnightly, or monthly, early repayment is usually allowed under the contract, costs such as application, valuation, and legal are set out in the agreement, and rates are higher than bank lending because this is short term and higher risk.
Speak with our Hamilton team about second mortgage business loans today. Call or message Hamilton Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
