How it works
From first question to settlement, calmly and online
Six steps. The first one happens before you talk to anyone, and it's the most important.
- 1
Weigh it up (in your own time)
Use the equity decision helper and the exit plan checklist, read the decision guides, and talk to whoever shares the title. There's no rush and nothing to sign.
- 2
Send a 60-second enquiry
Property value, what's owed, the amount, the purpose and how you'll repay. No credit check at this stage. Please be accurate. It shapes the first conversation.
- 3
Talk to one specialist
They'll sense-check the decision with you, explain what's realistic and, if a second mortgage isn't the right tool, say so and talk about alternatives.
- 4
Documents, ID and valuation
Only if you decide to proceed. Upload statements, verify identity online and arrange access for the lender's valuation. Co-owners complete their steps from their own devices.
- 5
Offer, advice and e-signing
You review the loan documents, co-owners and any guarantors get independent advice where needed, and documents are signed electronically where the lender allows.
- 6
Electronic settlement and funds
The mortgage is lodged electronically and funds are paid to the business or straight to whoever needs paying, such as the ATO or a vendor.
What makes this different
We put the decision before the application. That means talking about the exit, the cushion of equity left over and the people on the title before anyone asks for a bank statement. It's slower by about one conversation, and it saves people from loans they shouldn't have taken.
It also means we'll sometimes suggest something other than a second mortgage. If an unsecured facility, equipment finance or a payment arrangement fits better, you'll hear about it. See alternatives compared.
The online part, in more detail
Our online process guides explain digital identity checks and e-signing, electronic settlement and how to keep an application moving.
Common questions
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. We only talk about a credit check once you've decided to go ahead.
Will my details be sent to lots of lenders?
No. Your enquiry goes to one specialist who works your situation through. It isn't circulated or sold.
How long does it take?
It depends mostly on how quickly documents, the valuation and any co-owner steps come together. A calm, well-prepared application tends to move smoothly. We'd rather it was right than rushed.
Do I need to visit an office?
No. The process is designed to be done online and by phone, including identity checks and signing where the lender allows it.
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