About Us
Cash gaps hit hard when banks move slow or a project cannot wait. We set up second mortgage business loans in Christchurch that tap your available property equity for short term working capital, bridging, or debt consolidation so you can keep moving.
Our team has deep experience structuring short term property secured funding that sits behind your first mortgage. We expect at least $20,000 in monthly turnover and a trading history that grows with the loan size, we know the Christchurch market, we look at your equity, trading strength, and exit plan not just a score, and we can give an indicative decision within 24 working hours when documents are complete.
You get a fast decision within twenty four working hours when your paperwork is complete and total lending may reach about ninety percent loan to value ratio in strong cases with flexible repayments that fit your cash flow. We accept residential or commercial property as security, price each deal on risk which is higher than bank lending, and we set out application, valuation, legal, and other costs in the loan agreement with early repayment allowed under the contract.
Loan sizes run from $20,000 to $500,000 with terms from three to twenty four months and second mortgage loans usually sit at six to twelve months, pricing is risk based and higher than bank lending due to the short term and higher risk, repayments can be interest only or principal and interest, interest can be capitalised in some cases, and payment cycles can be weekly, fortnightly, or monthly. We accept residential or commercial property in Christchurch as security but not rural properties or lifestyle blocks, total lending can reach about ninety percent loan to value ratio in stronger scenarios with sufficient property equity required, minimum trading history starts at six months for smaller loans and increases up to five years for the maximum amount with at least twenty thousand dollars in monthly turnover, we consider credit scores but we don’t rely on them on their own, we can give an indicative decision within twenty four working hours once complete and correct documents are in, and fees such as application, valuation, and legal are set out in the loan agreement with early repayment usually allowed under the contract.
Talk with our Christchurch team about second mortgage business loans Christchurch and get a clear quote and timeline today. Call or send us your numbers to start, and we’ll tell you exactly what is workable and what’s not.
Fast Approvals - $20k to $500k