Strategic Second Mortgage

Access additional capital through a second mortgage secured against your existing property.

Your Property Finance Specialist

At Chifley Securities, we recognise that your financial position and objectives can evolve over time, and your existing loan structure may no longer align with your needs. If you’re seeking to access additional capital through a second mortgage alongside your primary facility, our team can work with you to structure a solution that supports your current strategy.

Second Mortgage Support

Move with certainty when timing matters most.

When opportunity arises, access to fast, flexible capital can make the difference between securing a deal or missing it.

Our second mortgage solutions are designed to unlock equity in your existing property, providing short-term funding secured behind your primary facility.

We structure funding to work alongside your senior lender, giving you access to additional capital without disrupting your existing facility.

Whether you’re acquiring a new asset, completing a refinance, or bridging a short-term gap, our solutions are built to keep your strategy moving.

Expert guidance for your Second Mortgage needs

 Our support includes:

Exploring Second Mortgage Opportunities: We work alongside you to understand your funding requirements and structure second mortgage solutions that align with your asset position and timing needs. Our focus is on helping you access additional capital with clarity and confidence.

Tailored Financing Solutions: Each facility is structured around your specific objectives, whether that’s unlocking equity, supporting a transaction, or strengthening liquidity. We take a practical, outcome-focused approach to ensure the solution fits your overall strategy.

Clear & Straightforward Guidance: We provide transparent advice on structure, positioning, and key terms so you fully understand the facility before proceeding. Our team is here to simplify the process and support informed decision-making at every step.

Key Benefits

Unlock Equity in Existing Assets

Second mortgage allows you to access additional capital secured against existing property, without disrupting your primary lending facility.

Tailored Structuring Solutions

Facilities are structured around your asset position, timing requirements, and risk profile, ensuring the second mortgage complements your existing debt arrangements.

Expand Funding Beyond Traditional Limits

Access additional capital where senior lending may be constrained, providing the flexibility to support growth, liquidity, or strategic investment needs.

Case Studies

$4,500,000
Deal Type
Second Mortgage
LVR
75% on Net Realisable Value
Security
Activated Development Site
Term
12 months
Settlement Time
17 days
Exit Strategy
Conversion of sales, both pre-sales and mid-development sales
Lender
Private Non-Bank Second Mortgage Provider
Residential Construction Second Mortgage/Mezzanine Facility
$5,100,000
Deal Type
Second Mortgage
LVR
65% on Net Realisable Value
Security
DA Approved Future Development Site
Term
9 months
Settlement Time
21 days
Exit Strategy
Refinance by tier 1 bank
Lender
Private Non-Bank Second Mortgage Provider
Short-Term Development Second Mortgage/Mezzanine Finance

How to Get Started

Identify
Your Needs

Take a moment to outline your project, funding requirements, and any time-sensitive considerations so we can match you with the right lending solution.

Contact
Our Team

Reach out to our specialists for tailored guidance, quick answers, and a clear pathway forward based on your objectives.

1300 728 210
info@chifleysecurities.com.au

Prefer To
Apply Online?

If you’d rather get started digitally, submit your details through our secure online form and a team member will be in touch shortly.

Our
Resources

Explore our guides, tools, and insights to help you make informed decisions and understand the process before you begin.

Information Flyer 1

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Private Lending

Ready to take the next step? Explore the simple ways you can begin your journey with Chifley Securities. Whether you prefer to speak with our team or apply online, we provide flexible options to help you get moving quickly and confidently.

Get Started

Ready to take the next step? Explore the simple ways you can begin your journey with Chifley Securities. Whether you prefer to speak with our team or apply online, we provide flexible options to help you get moving quickly and confidently.

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