About us
Second-mortgage specialists, and proud to explain every step
We help Australian business owners turn property equity into business funds without disturbing the loan they already have.
What we do
Fast Second Mortgages arranges second mortgages for business purposes: loans of $20,000 to $5,000,000 secured behind an existing first mortgage over residential or commercial property. The first loan stays exactly where it is. We structure a loan that sits behind it, sized on the equity above it and built around a clear plan for repayment.
It's a narrow specialty on purpose. Second mortgages have more moving parts than most business loans: ranking on title, first-lender consent, combined LVR, valuations, buffers, exits. Getting those right is what makes a file fast. Getting them wrong is what makes it slow. We'd rather be very good at one thing.
Who we help
- Business owners with equity in a home, an investment property or commercial premises.
- Companies, trusts, partnerships and sole traders, including property held in a trust or company.
- Owners dealing with ATO debt, a cash-flow gap, a growth opportunity, a timing gap before a sale or refinance, or expensive short-term debt.
- Owners whose paperwork is behind or whose credit history has a few marks on it. Past credit issues and ATO debt considered case by case.
Every loan we arrange is for business purposes only.
The promises we make on every enquiry
No credit check to enquire
Asking what your equity can do leaves your credit file untouched. A credit check only comes up once you choose to proceed.
One specialist, not a lead auction
Your enquiry isn't sold or sprayed to a list of lenders. It goes to one person who works the numbers on your property and your plan.
A real person reads every file
A second-mortgage specialist calls you back. Accurate answers on the form mean the first structure we discuss is the right one.
In plain terms: asking what's possible doesn't touch your credit file. Your details aren't sold or passed around a list of lenders; one specialist works on your file. And a real person reads what you've sent and calls you. The one thing we ask in return is accuracy. If the property value, the first-loan balance and the purpose on your form are right, the first structure we talk about is usually the one that settles.
How we work
We explain before we arrange. Our mechanics section sets out how every part of a second mortgage works, and our equity and LVR calculator lets you test your own numbers before you speak to anyone. When you do enquire, the specialist who calls you will walk through the structure, the costs in dollars and the exit, then match your file to a lender that genuinely suits it.
We never publish interest rates. Every loan is priced on its own facts, and we'd rather give you an accurate figure for your situation than an attractive number that doesn't apply to you.
Speed, stated honestly
For property-secured amounts from $20,000 to $250,000, same-day funding is possible when the valuation, title and signing all line up. Up to $5,000,000 is possible within 24 to 48 hours on clean security. Complex files take longer, and we'll tell you so on the first call.
Who operates this site
Fast Second Mortgages is operated by the operators of Fast Second Mortgages. You can reach us on 07 3333 2120, or the quickest way to start is the 60-second enquiry.
See what your property equity could fund
One short enquiry, no credit check when you first enquire, and a second-mortgage specialist who calls you back with a structure that fits.
No credit check to enquire
One specialist, not a lead auction
A real person reads every file