HomeSec Business Finance

Short Term Business Loan Funding

Home Second Mortgages

Second Mortgages

Australia’s Fastest 2nd Mortgages

Borrow $50,000 to $1,000,000 in just 24 hours

  • No valuations done
  • No tax returns required
  • Bad credit history is ok
  • Loan arrears and tax debt is ok
  • We lend up to 75% LVR
  • We lend anywhere in Australia
  • No massive upfront fee’s
  • We are a genuine private lender


What is a “12 Month” 2nd Mortgage?

A 2nd mortgage is a business loan that sits behind your current 1st Mortgage with your bank.  HomeSec 2nd mortgages are perfect if you need access to extra funds by tomorrow, and you want them for a longer term of 12 months or more.

HomeSec 2nd Mortgage Loans can settle within 24 hours, which is much better than waiting months to refinance your current 1st mortgage. These loans are an affordable Interest Only loan (as opposed to much higher payments with a Principal & Interest loan), so you simply pay the interest each month during the term of the loan.

At the end of the 12 month term, you can pay the 2nd mortgage loan out (often through the sale of an asset, or refinance), OR you can extend the loan with no additional fee’s. You simply continue to pay the interest each month.

As it is a business loan, all interest and costs are fully tax deductible.


Here is a Quick FAQ on our super fast 2nd Mortgages.

Loan Amounts:$50,000 to $1,000,000
Loan Term:12 Months (with the option to extend without paying additional fee’s)
Interest Payments:Paid Monthly
Interest Rate:1.95%pm
Settlement Time Frame:A breathtaking 24 hours from the time of application
Are Valuations Required:NO, not with us
Are Tax Returns Required:NO, not with us
LVR Limits:75% on residential, 70% on commercial
Do we lend on land only:Yes. Up to 70% LVR
Credit History:Poor credit score is fine with us
Arrears and Tax Debt:Both are fine with us
What States do you fund:Australia Wide. *Some restrictions may apply in NSW & ACT