Second Mortgage Loans
Flexible Finance Secured Behind an Existing Mortgage
Second mortgage loans from $500,000 to $5 million for borrowers who need to access equity without replacing their current first mortgage.
What Is a Second Mortgage Loan?
A second mortgage loan is secured against property behind an existing first mortgage.
It can provide additional funding when refinancing the original loan is not suitable, practical, or cost-effective.
When Can a Second Mortgage Loan Help?
Business capital
Urgent settlements
Debt consolidation
Bridging finance
Zantor Capital provides second mortgage lending solutions for borrowers, brokers, developers, investors, and business owners across Australia.
Funding may be used for:
Property improvements
Development-related costs
Commercial opportunities
Releasing equity from property
Loans from $500K to $5M
The amount available depends on the property value, existing first mortgage balance, property location, loan purpose, requested term, and exit strategy.
We consider residential, commercial, industrial, and development-related property security.
Access Equity Without Replacing Your First Loan
A second mortgage can be useful when an existing first mortgage is working well, but additional capital is needed.
Rather than refinancing the entire facility, a second mortgage may allow eligible borrowers to unlock available equity and move forward with a time-sensitive opportunity.
What Is an Exit Strategy?
An exit strategy is the plan for repaying the loan.
This may include refinancing, selling the secured property, completing a development, receiving funds from another transaction, or restructuring the existing lending facility.
How It Works
We review the available equity and determine whether the scenario fits our lending criteria.
2. Initial Assessment
Tell us the funding amount, property security, existing mortgage balance, loan purpose, and timeframe.
Once the required checks and documentation are completed, the loan can proceed.
4. Due Diligence and Settlement
Where suitable, we outline the proposed structure and next steps.
3. Indicative Terms
1. Submit Your Enquiry
Why Zantor Capital?
Fast, commercially minded decisions
Flexible property-secured lending
Australia-wide support
Clear and practical communication
Need a Second Mortgage Loan?
Speak with Zantor Capital about your funding requirements.
Loans from $500,000 to $5 million, subject to assessment.
Frequently asked questions
Can I get a second mortgage if I already have a bank loan?
Yes. A second mortgage is designed to sit behind an existing first mortgage, subject to the available equity and lender approval requirements.
How much can I borrow with a second mortgage?
The amount depends on the property value, the balance of the first mortgage, the loan purpose, and the proposed exit strategy.
Do I need to refinance my existing mortgage?
Not necessarily. One of the main benefits of a second mortgage is that it may allow you to raise capital without replacing your current first mortgage.
Can a second mortgage be used for business purposes?
Yes. Second mortgage loans are often used for business capital, commercial opportunities, bridging finance, and short-term funding needs.
What property can be used as security?
Depending on the scenario, security may include residential, commercial, industrial, or development-related property.
Do you work with brokers?
Yes. Zantor Capital works with finance brokers seeking private lending solutions for their clients across Australia.
Private Lending Australia
Contact Info:
Email: info@Zantorcapital.com.au
Phone: 0423 907 733
Address: 125 Market Street, Suite 302
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All loans are subject to assessment, approval, valuation, legal review, lender requirements and applicable lending criteria. Information on this website is general in nature and does not constitute