About Us
Cash flow stalls or a time limited opportunity can hit when your bank is slow or at its limit in Christchurch. We use second mortgage business loans to access equity in your residential or commercial property with short term funding, fast decisions, and a simple path handled by Christchurch Second Mortgage Business Loans.
Our local team has funded many short term, property secured deals across Christchurch and we know how to read both equity and trading strength. We look at the whole story, not just a score, and we can give an indicative decision within 24 working hours with clear terms and realistic timelines.
You get fast decisions from people who live and work in Christchurch, with indicative answers within twenty four working hours when the documents are complete, and we answer the phone when you need clarity. We fund risk based and higher than bank pricing for three to twenty four months, usually six to twelve months, with early repayment allowed as set out in the loan agreement, and in strong cases total lending can reach about ninety percent loan to value with interest only or principal and interest choices and the option to capitalise interest.
Loans range from twenty thousand dollars to five hundred thousand dollars, terms run three to twenty four months with most second mortgages running six to twelve months, we take residential or commercial property as security but not rural or lifestyle blocks, pricing is risk based and higher than bank lending, and all costs such as application, valuation, and legal are set out in your agreement. Eligibility rises with loan size with at least six months trading for smaller loans up to five years for the maximum amount, at least twenty thousand dollars in monthly turnover, enough equity, and we can give an indicative approval within twenty four working hours once complete and correct documents are in, then we order valuation, work with your first mortgage holder on consent and priority, and settle.
Talk with Christchurch Second Mortgage Business Loans today about second mortgage business loans Christchurch and get a clear plan, a firm timeline, and a practical exit strategy. Call or send a message to start the job or get a quote, and we’ll tell you exactly what documents we need to get you an indicative answer fast.
Fast Approvals - $20k to $500k
