Best For
- Equity release behind an existing senior lender
- Capital shortfalls or cost overruns
- Projects needing completion or liquidity support
Key Features
- Second mortgage or mezzanine positions
- No need to refinance existing senior debt
- Terms up to 12 months
- Loan sizes from $250k to $5m
- Priced for risk and execution speed
- Works with most senior lenders
Typical Structure
Registered second mortgage or mezzanine position • Terms up to 12 months • Loan sizes from $250k up to $5m • Priced for risk and execution speed
Unlocks capital without refinancing the senior loan.
Eligibility Criteria
Indicative Fees
Indicative only. All pricing subject to credit assessment, security quality, and borrower profile.
Required Documents
All applications subject to credit approval
Senior lender consent required
Intercreditor arrangements may apply
Frequently Asked Questions
Does my senior lender need to consent?
Yes, we require consent from the existing senior lender before registering a second mortgage.
What is the maximum combined LVR?
Combined LVR (first + second mortgage) typically up to 80-85% depending on the security and senior lender terms.
What can the funds be used for?
Common uses include equity release, cost overruns, project completion, deposits, or short-term liquidity needs.
How quickly can you fund?
Subject to senior lender consent and valuation, funding can occur within 2-4 weeks.
Second Mortgage / Mezzanine by Location
Find private lending services across Australia's major cities and suburbs.