Knote is Australia’s trusted 2nd Mortgage lender & Gap funder for business owners, entrepreneurs, and investors who need fast access to capital, even when the banks say no. Structured, property-backed funding for time-sensitive and non-bank scenarios across Australia.
*Knote Loans are subject to eligibility criteria
When Banks Say No, We Structure the Deal
Gap funding is a short-term, property-backed solution that covers the shortfall between what a bank will lend and the total capital required. When traditional lenders fall short, Knote structures and provides second mortgage funding to bridge that gap quickly and efficiently.
Knote enables business owners and investors to unlock equity from existing property to access fast, structured capital. This is ideal for completing transactions, covering urgent costs, or securing time-sensitive opportunities without refinancing the first mortgage.
Our gap funding solutions are commonly used for settlements, business acquisitions, bridging finance, and short-term capital requirements. Designed for speed and flexibility, Knote delivers practical funding outcomes when timing and execution are critical.
Knote is a specialist provider of second mortgage and gap funding solutions across Australia, helping business owners unlock equity from existing property quickly and efficiently. With indicative approvals often within 24 hours, we deliver fast, structured funding directly—without unnecessary delays or complex requirements.
A second mortgage enables you to access capital secured against your property when your primary lender falls short. Whether for bridging, business expansion, or urgent cashflow, Knote provides flexible, property-backed funding tailored to time-sensitive scenarios.
With deep expertise in second-lien lending, we structure efficient, practical solutions to ensure speed, certainty, and execution.
Getting a gap funding or Second mortgage is easy with 24–48 hour funding, unlike banks that take weeks and rarely support second mortgages.
| Criteria |
 | Traditional Banks |
|---|---|---|
| Time to Funding | Same-day or next-day funding | 2–6 weeks, often no 2nd mortgage option |
| Type of Security | 1st Mortgage, Second mortgages, caveats, guarantees | Mainly 1st mortgages only |
| Credit Check Requirement | No credit check required | Credit checks compulsory |
| Documentation | Minimal to no doc second mortgage | Heavy documentation required |
| Reuse Facility | Reuse facility within 90 days | No reuse option |
| Lock-in Period | No lock-in period, flexible terms | Strict terms if second mortgages are offered at all |
| Repay Period | Repay your 2nd mortgage anytime without penalty | Fixed, lengthy repayment structures |
Already have a mortgage but need additional capital? Knote provides second mortgage funding that allows you to access equity in your property without refinancing your existing loan.
Whether secured against residential, investment, or commercial property, our second mortgage solutions are designed to support business growth, cashflow requirements, or time-sensitive opportunities.
With fast approvals, streamlined assessment, and flexible structures, Knote delivers efficient access to capital when traditional lenders fall short. Our credit-led approach ensures practical outcomes with speed and certainty of execution.
Short-term funding to bridge immediate capital gaps.
Property-backed lending behind existing lenders.
Fast access to capital secured against property.
Whether you’re managing a funding gap, covering urgent costs, or acting on a new opportunity, a second mortgage helps you access equity fast. You may benefit from a second mortgage loan rates in Australia if you are:
Access equity without touching your first mortgage to fund business growth or expenses.
Bridge shortfalls in your business loan or cash flow with a fast, secured solution.
Leverage property equity to seize new business opportunities or use that equity to buy another property — all without refinancing.
Use a second mortgage for renovations to upgrade, extend, or improve your property without refinancing your first loan or disrupting your existing mortgage structure.
Use a home equity line of credit on a second home to draw funds flexibly for business or investment needs.
Need extra business funds without refinancing your current mortgage? Knote’s second mortgage loans in Australia, let you unlock the value in your property quickly and easily, with no need to touch your first mortgage.
Enjoy no lock-in contracts, no early repayment penalties, and minimal paperwork, giving you full control over your loan.
We provide quick approvals and same-day or next-day payouts, so you can cover expenses or seize growth opportunities without delay.
Our AI-driven process, combined with expert human review, delivers smart, fast decisions—no credit checks or long waits.
Need fast access to capital but already have a mortgage? Knote provides second mortgage solutions that allow you to unlock equity without refinancing your existing loan.
Whether for equity release, business requirements, or bridging funding gaps, we structure property-backed funding to help you move forward with speed and certainty.
