First mortgages
First mortgage business loans
Short-term business funding secured by a registered first mortgage over property you own — whether it’s unencumbered or you’re paying out an existing lender. Loans from $20,000 up to $20,000,000.
Funding in first position
When a property is owned outright, or the existing loan needs to be paid out, a first mortgage gives you the most borrowing power from your equity. It’s a fast alternative when a bank can’t move at the speed the deal needs.
- Registered first mortgage over Australian property
- Residential, commercial and other property considered
- Pay out an expiring or unwanted loan quickly
- Interest capitalised or paid monthly
- Repay early and unused capitalised interest is credited back
Common uses
Refinancing out of an expired or pressured loan. Releasing equity from a property you own outright. Funding a purchase, an ATO debt or working capital while a longer-term solution is arranged.
Built around the exit
Tell us how the loan will be repaid — a sale, a bank refinance or business cash flow — and the loan is structured around it.
Common questions
What is a first mortgage business loan?
A loan secured by a registered first mortgage over property. Either the property is unencumbered, or the new loan pays out the existing lender and takes first position.
Can I refinance out of my current lender?
Yes. A short-term first mortgage is often used to pay out an existing lender quickly, for example when a loan has expired or a bank refinance is taking too long.
How much can I borrow?
Loans range from $20,000 up to $20,000,000, depending on the property, the equity and the plan to repay.
What is the loan for?
First mortgage loans are for business purposes only.
Want a straight answer on your deal?
Call Tim or send the details by email. You'll get a clear yes, no or what-it-would-take — usually the same day.