About us
We start with whether, not how much
Second Mortgages Online exists for Australian business owners who are thinking about using property equity and want a calm, straight conversation before they commit.
Who we help
Our readers and clients are owners of trading businesses: sole traders, partnerships and companies whose directors own a home, an investment property or commercial premises. Usually there's a specific need on the table. A tax bill, a business to buy, a partner to buy out, stock for a big season, a fit-out, a contract that needs funding before it pays, or a gap in cash flow that won't close by itself.
Many of them have been told they need to refinance their whole home loan to get at their equity. Others have been offered short-term money without anyone asking how it gets repaid. We think both deserve a better conversation.
Why "decide first"
A second mortgage sits behind your existing home loan and is secured on your property. Used well, it lets a business deal with something specific without disturbing a home loan that is working fine. Used badly, it turns a business problem into a household one. So we start every conversation with the decision itself: is property equity the right tool, which property, who needs to agree, and how will it be repaid?
Sometimes the honest answer is that a second mortgage isn't the right move. When that's the case we'll say so and talk about the alternatives, including unsecured and cash-flow options for trading businesses that would rather keep property out of it.
What we arrange
- Business-purpose second mortgages within a property-secured range of $20,000 to $5,000,000, over residential or commercial property.
- Where it suits better, first mortgages, caveat loans or unsecured options for trading businesses.
- Past credit issues and ATO debt considered case by case.
- Business purposes only — never personal or consumer lending.
We don't publish interest rates. Every loan is priced on the borrower's own circumstances, so a headline figure would only mislead.
The promises
No credit check to ask
Finding out whether a second mortgage suits you leaves your credit file untouched. A check is only discussed if you choose to proceed.
One specialist, not a lead list
Your enquiry isn't auctioned or copied to a string of lenders. It's read by one person who works your situation through.
A real person who'll be straight with you
If a second mortgage isn't the sensible move, you'll hear that, along with what might work better. Accurate form answers make that call useful.
One request in return: please fill in the enquiry form as accurately as you can. The property value, what's owed, the amount, the purpose and who's on the title shape everything that follows, and accurate answers mean the first conversation is the useful one.
Who operates this site
Second Mortgages Online is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as Second Mortgages Online. You can reach us on 07 3333 2120 during business hours or through the contact page.
Weighed it up? Let's see if it stacks up.
One short enquiry about the property, the amount and your way out. No credit check at that first step, your details stay with one specialist, and you get a straight answer.
No credit check to ask
One specialist, not a lead list
A real person who'll be straight with you