About Us
Cash flow gets tight and most of your funding sits behind a first mortgage. We arrange second mortgage business loans in Christchurch secured against residential or commercial property to access fast working capital, bridge to refinance or sale, and fund urgent projects.
We are local and we know Christchurch values, lenders, and timelines. We move quickly with straight talk and can give an indicative decision within 24 working hours once documents are complete.
Loan sizes run from 20,000 dollars to 500,000 dollars and the largest amounts call for a longer time in business, with second mortgage terms usually 6 to 12 months and full terms from 3 to 24 months, and pricing is risk based and higher than bank lending because these loans are short term and higher risk. We can consider up to about 90 percent total loan to value ratio in strong cases, we take residential or commercial property as security but not rural or lifestyle blocks, we offer interest only or principal and interest with weekly, fortnightly, or monthly repayments and we can capitalise interest when the deal supports it, and we set out all fees in the loan agreement and allow early repayment subject to the contract.
Second mortgage business loans through us cover working capital, bridging to refinance or sale, stock buys, urgent repairs, and tax catch up when timing matters. We secure against residential or commercial property in Christchurch and not rural or lifestyle blocks, we can structure interest only or principal and interest with weekly, fortnightly, or monthly repayments, and we can give an indicative decision within 24 working hours when documents are complete and correct.
Talk with Christchurch Second Mortgage Business Loans about second mortgage business loans Christchurch and get a quick quote today. Send your recent bank statements, basic financials, and property details so we can give you a prompt view and move to settlement as soon as the legal work is complete.
Fast Approvals - $20k to $500k
