Brisbane · second mortgages

Second mortgages in Brisbane and across Queensland, registered and settled fast

For Brisbane and Queensland business owners, HomeSec lends $20,000 to $5,000,000 on a registered second mortgage, lodged electronically with Titles Queensland behind your existing bank loan. We don't use valuers, interest can be added to the loan for the first 6 months, and most files settle in 24 – 72 hours.

Representative image: an older low-set brick house on a wide corner block with temporary fencing in a Brisbane suburb

See if you qualify in sixty seconds. No credit check to apply, no financials, no payments for the first six months. That's the HomeSec Advantage.

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In Queensland the loan is registered, not caveated

A lot of fast private lending in Australia is done on a caveat, which warns the world that a lender claims an interest without making that interest part of the title. In Queensland we don't lend that way. Every loan we make behind a bank is a registered second mortgage, and the Land Title Act 1994 explains why that is the stronger position for both sides: a mortgage creates an interest at law only when it is registered, and registered interests rank in the order they were lodged. Ours is lodged once, ranks second, and comes off the title the day the loan is repaid.

Queensland's new Property Law Act, and what it means for a second mortgage

Queensland replaced its fifty-year-old property law on 1 August 2025. The Property Law Act 2023 rewrote how mortgages work in the state, and two of its sections matter to anyone with a bank loan and a second mortgage behind it.

Section 126, the bank's further advances. If your bank lends you more under its first mortgage after a second mortgage is in place, that new money only ranks ahead of the second lender if the second lender agreed, if the bank had no actual notice of the second mortgage, or if the bank's mortgage obliged it to lend. Registration alone is not notice. In practice that is why a Queensland second mortgage usually comes with a priority deed: it fixes what sits ahead, so neither lender, and not you, is left guessing.
Section 132, transfer instead of discharge. When a mortgage is being paid out, the borrower can require the lender to transfer it to someone else rather than discharge it. When the time comes to refinance, that gives your next lender a cleaner way to take over.

None of this asks anything of you beyond telling us, on the first call, about any redraw or line of credit on your bank loan. We do the rest with the bank.

Lodged electronically, which is part of the speed

Since 20 February 2023 Queensland has required professionals and companies to lodge certain land dealings electronically, and both the mortgage form and the release of mortgage are on the mandated list. A Queensland second mortgage therefore settles through an electronic lodgement network: no paper to post to Brisbane, no counter queue, and the money and the mortgage move at the same moment. What is left to take time is the paperwork, which is why we ask for so little of it.

Call. An experienced Lending Manager gives you an indicative answer, usually within 30 minutes in business hours.
Conditional approval. Photo ID, a rates notice and your latest mortgage statement. The approval spells out all the costs.
Due diligence and agreements. We run the searches, arrange the priority deed with your bank where its mortgage needs one, and issue the loan agreements.
Settlement. You sign, the mortgage is lodged with Titles Queensland and the funds are in your account, in as little as 24 hours from a clean, complete scenario.

A recent Queensland example

In October 2026 we settled a second mortgage for a company run by two directors in regional Queensland. Two cash-flow lenders had turned the business down because its last few months of bank statements looked thin. The directors owned their acreage home with plenty of equity behind a bank loan, so we registered a second mortgage behind that loan, left the bank exactly where it was, and added the interest to the loan for the term so nothing was payable while the business recovered. The client, place and figures on our first and second mortgage examples page are changed for privacy, as they are for every example there.

Brisbane, the coasts and the regions

Most of our Queensland lending is over Brisbane property, but the state's land law is the same from Logan to Cairns, so a second mortgage over a Gold Coast unit, an Ipswich warehouse or a Bundaberg cane farm follows the same steps. The thing that varies is the amount: combined lending goes to 80% of value on residential property and 70% on commercial, and on a large rural holding or in a very small market we may lend less, because those properties take longer to sell. You get the figure for your property on the call. For how fast second mortgages work across Australia, see fast second mortgages, and for the product itself, second mortgages.

The Brisbane number

(07) 3333 2120 is a Queensland number that rings our credit team in Melbourne, the same people who answer the national line. We have been lending our own money against Australian property since 2004, there is no Brisbane branch for a file to wait in, and the person who answers can tell you on that call whether the loan works and roughly how much it can be.

Credit provided for those purposes is not regulated under the National Consumer Credit Protection Act 2009 (the NCCP Act), and the protections available to consumer borrowers do not apply. Every application is subject to assessment and approval.

Queensland second mortgage questions

Is a Queensland second mortgage registered or done by caveat?

Registered. In Queensland we lend on a registered second mortgage, lodged with Titles Queensland. Under the Land Title Act 1994 a mortgage creates an interest at law only once it is registered, and registered mortgages rank in the order they were lodged, so ours sits behind your bank and ahead of anything lodged after it.

Will my bank's redraw rank ahead of your second mortgage?

Only in the cases Queensland's Property Law Act 2023 allows. Since 1 August 2025, section 126 says a first lender's further advance keeps priority over a later mortgage if the later lender agrees, if the first lender had no actual notice of it when it advanced, or if its mortgage obliged it to advance. That is why we ask about redraws and lines of credit on the first call, and why a priority deed between the two lenders is usually part of a Queensland settlement.

Do I need my bank's consent?

Most bank mortgages ask the borrower to get it before granting another mortgage, and where they do, the bank and HomeSec sign a priority deed that fixes how much ranks ahead of us. We handle that with the bank. It is the step most likely to turn a 24-hour settlement into a 72-hour one, so we start it on the first day.

Do you lend on Gold Coast, Sunshine Coast and regional Queensland property?

Yes. The Land Title Act and the Property Law Act apply across the state, so a second mortgage over a house in Southport, a shed in Toowoomba or acreage in the hinterland is registered the same way as one in Brisbane. What can change on a regional or larger rural property is how much we lend against it, and we give you that figure on the call.

How long does a Brisbane second mortgage take?

From a clean, complete scenario, funds can be in your account in as little as 24 hours; 24 – 72 hours covers most Queensland files, with the bank's priority deed the usual reason for the longer end. The indicative answer comes on the first call, usually within 30 minutes in business hours.

Sixty seconds, no documents

See if you qualify in sixty seconds

Three short questions, no credit check to apply and no financial statements. A Lending Manager reads it and calls you back with a real answer — not a call centre, not an algorithm.

That's the HomeSec Advantage.

See if you qualify Call 1300 93 83 87 Mon–Fri, 8:30am – 5:30pm Melbourne time

Reviewed by Paul Stone, Joint Chief Executive