About Us
Cash is tight but your equity is strong and the window to move is small. We arrange second mortgage business loans in Hamilton that unlocks working capital, clear tax pressure, fund stock or equipment, bridge a refinance, or tidy up urgent payables so you can keep trading.
Our local team knows property secured business lending and the quirks of trading in Hamilton. We look at the whole picture and structure behind your first mortgage the right way, then move quickly while staying careful with valuations, legal work, and consent.
You get workable terms between 3 and 24 months, with most second mortgages running 6 to 12 with possible extensions, pricing is risk based and higher than bank lending, and all costs such as application, valuation, and legal are set out in the agreement with early repayment allowed under contract. Common mistakes are asking for more than the equity supports, skipping a clear exit, or underestimating total cost, and those choices can slow approval, add fees, or cause decline.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Talk with our Hamilton team about second mortgage business loans Hamilton and get a clear quote and time frame today. Message us at Hamilton Second Mortgage Business Loans and we will map the loan size, term, and repayment plan so you can move on your plan.
Fast Approvals - $20k to $500k
