Quick Summary
Loan Type: Second Mortgage Loan
Location: NSW-based commercial client
Loan Amount & LVR: $850,000 at 65% LVR
Problem: Urgent need for capital to secure a business growth opportunity
Solution: Fast turnaround, second mortgage used as security to release equity
When you’re running a business and a golden opportunity arises, access to funding at the right time can make all the difference. But as many business owners know, delays with traditional lenders can turn an opportunity into a missed chance. Waiting weeks or months for approval simply doesn’t work when growth depends on moving quickly.
This is where a second mortgage can be a smart solution. By unlocking equity tied up in an existing property, you can access the capital you need without disturbing your primary mortgage or existing finance arrangements. It’s a flexible way to move fast when timing matters most.
$850,000 Released in Days, Not Months
One of our clients in Sydney’s inner west had secured a major contract with a national retail chain. The opportunity was huge, but the operational expansion needed to deliver it by hiring staff, upgrading logistics, and securing stock required immediate funding. Their bank expressed interest but advised a settlement timeframe of 6 8 weeks. For this client, waiting that long would have meant losing the contract.
They came to Bridging Loans with a clear need: access to capital quickly, without refinancing their existing first mortgage. Their commercial property held significant equity, and we identified a second mortgage at 65% LVR as the right structure. Within five business days, we released $850,000, allowing them to launch their expansion on schedule, keep the contract, and achieve strong revenue growth within the same quarter.
Three months later, once their bank completed a long-term refinance, the client repaid the second mortgage without penalty. The facility had done exactly what it was designed to do: provide short-term funding to bridge the gap until long-term finance was in place.
When Traditional Lending Can’t Move at Business Speed
Second mortgage loans are designed for situations where timing is critical. They work well for business owners who can’t wait for lengthy bank processes and need a clear, fast alternative.
They’re often used for:
• Bridging cash flow gaps ahead of major revenue
• Fast capital for equipment purchases or marketing campaigns
• Financing mergers or acquisitions
• Restarting stalled projects
With terms generally ranging from 1 to 6 months, second mortgages give you flexibility and breathing room without committing to a restrictive, long-term facility.
How We Structure Second Mortgage Loans
At Bridging Loans, we look at the full picture of your business and your assets to create the right loan structure. Once we confirm there’s equity available in your commercial or residential property, we can move quickly to release funds. Key factors we consider include:
• Market value of the property
• Balance of any existing mortgage
• Purpose and urgency of funds
• Exit strategy, such as refinance or business income
We can fund up to 75% LVR depending on the asset and location. And because we focus on speed, we avoid the unnecessary paperwork, credit scoring delays, and committee approvals that slow down traditional lenders.
Why Use a Second Mortgage Instead of Refinancing?
A second mortgage allows you to keep your existing first mortgage in place, ideal if you’re on a favourable rate or don’t want to disturb a banking relationship. It’s also a practical solution if you’re mid-way through a refinance but can’t afford to wait for settlement.
The cost of funds may be higher than bank finance, but the speed and flexibility often outweigh the difference, especially when the return on investment is immediate.
How We Can Help
At Bridging Loans, we understand how quickly opportunities can appear and how important it is to act without delay.
We’ll help you:
• Assess your equity and eligibility quickly
• Provide indicative terms within hours
• Structure a facility to suit your timeline
• Release funds in as little as 3–5 business days
If you’re facing a growth opportunity or financial bottleneck, and speed is the deciding factor, our team is ready to help. Bridging Loans are a short-term lending solution you can rely on when timing matters most.