Need 50kto5M+ fast but stuck with a bank’s red tape? A second mortgage loan from Formation Finance lets you tap into your property’s equity without refinancing – ideal for corporate borrowers, developers, and trusts. With rates from 15% p.a., terms up to 24 months, and approvals prioritising asset strength over credit scores, we turn bricks-and-mortar into instant liquidity.
💡 Why scramble for bank approvals when equity speaks louder?
✅ Loan Details at a Glance:
Loan Amount: 50k5M+
Interest Rates: From 15% p.a.
Maximum LVR: 75%*
Term: 3–24 months (short-term agility)
Security: First mortgage + guarantees
Property Types: Residential, Commercial, Vacant Land
^Dependent on the asset location and strength of the applicant
“Our Sydney client secured a $2.1M second mortgage in 72 hours to bid on a Port Melbourne warehouse – banks said ‘wait 6 weeks.’”
[👉 Immediate Funding? Contact Our Private Lending Team Now]
Banks drown you in paperwork. We focus on asset value, not credit history.
No income checks – Ideal for trusts/companies with complex cash flow
No credit checks – Past defaults? Irrelevant if your equity stacks up
Funds in 7 days – Direct access to family office lenders cuts delays
Tailored for companies, trusts & developers:
Use commercial/residential properties as collateral
Structure loans around business cycles (e.g., seasonal cash crunches)
Negotiate interest-only terms to ease cash flow
Assess Equity (24hrs)
→ Share property details + loan purpose. No upfront fees.
Match with Lenders (48hrs)
→ We pitch to 50+ private funders – you choose the best offer.
Settle & Secure Funds (72hrs)
→ Lawyers handle paperwork; cash hits your account.
Up to 65% LVR*, depending on location and development potential.
Absolutely! We position our loans behind existing bank mortgages – no need to refinance.
