About Us
Bank delays can choke cashflow and kill a deal you should win. We fund second mortgage business loans in Christchurch backed by property equity, from 20,000 dollars to 500,000 dollars, with fast decisions and short term structures for bridging, working capital, and project needs.
We are local to Christchurch and we know how to read your numbers, your equity, and your timeline. Our team has strong experience with property secured lending and we stay practical, fast, and clear from first call to settlement.
Loan sizes run from 20,000 to 500,000 with terms from 3 to 24 months, second mortgage loans most often sit at 6 to 12 months with extension options, and we do not take rural properties or lifestyle blocks. We accept residential or commercial property as security, total lending can reach about 90 percent loan to value ratio in strong cases, repayments can be interest only or principal and interest on a weekly, fortnightly, or monthly cycle, interest can be capitalised, pricing is risk based and higher than bank rates, valuation and legal steps are part of every file, fees and costs are set out in the agreement, and early repayment is usually fine under the contract.
We fund $20,000 to $500,000 for 3 to 24 months, with most second mortgage loans running 6 to 12 months as short-term or transitional funding with risk based pricing that’s higher than bank lending. We assess real trading history and equity with a minimum monthly turnover of $20,000 and time in business that grows with the loan size from six months at the low end to five years at the top, and we support weekly, fortnightly, or monthly repayments.
Speak with our Christchurch team about second mortgage business loans today. Call or message Christchurch Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
