About Us
Bank delays can choke cashflow and kill a deal you should win. We fund second mortgage business loans in New Plymouth backed by property equity, from 20,000 dollars to 500,000 dollars, with fast decisions and short term structures for bridging, working capital, and project needs.
Our team has deep skill in short-term, property-secured lending, with a strong track record structuring second ranking mortgages that settle on time, and our straight talk and local knowledge in New Plymouth set us apart. Common mistakes are weak exit plans, missing documents, or optimistic valuations that push loan to value ratio too high, and those can cause delays, added costs, a decline, or default that puts your property at risk.
You get fast indicative decisions within twenty four working hours once we’ve complete and correct documents, loan sizes from twenty thousand dollars to five hundred thousand dollars, and terms from three to twenty four months with most seconds running six to twelve months and extension options when your plan is on track. We consider total lending up to about ninety percent loan to value ratio in strong cases, often higher than bank limits, we accept residential or commercial security but not rural or lifestyle property, we weigh monthly turnover and time in business from six months for smaller loans up to five years for the maximum, and we do not rely on a credit score alone.
Loan sizes run from $20,000 to $500,000 with the largest amounts tied to longer time in business from 6 months for smaller loans up to 5 years for the maximum, we can consider total lending up to about 90 percent loan to value ratio in strong cases which is higher than many bank limits, and we accept residential and commercial security but not rural properties or lifestyle blocks. We fund working capital, stock, supplier payments, tax arrears, refurbishment, and bridging between refinances, and we offer interest only or principal and interest repayments weekly, fortnightly, or monthly with the option to capitalise interest when that fits the exit plan.
Talk to our team about second mortgage business loans in New Plymouth today. Call or message New Plymouth Second Mortgage Business Loans to get a quick read on eligibility and a clear quote.
Fast Approvals - $20k to $500k
