A second mortgage is a property-backed loan secured behind an existing first mortgage, allowing borrowers to access additional capital without disturbing their primary loan.
Knote specialises in structured second mortgage lending for scenarios where traditional lenders are unable to meet full funding requirements.
Commercial /Business/Investment purpose only (no consumer lending)
Residential, commercial, industrial, land, or development sites
Australia‑wide
Individuals, companies, or trusts
Sufficient equity to support total SLVR (up to 90% residential / 80% commercial)
Flexible–impaired credit acceptable
$100,000-$5,000,000 (tailorable to scenario)
| Feature | Details |
|---|---|
| Security | Second Mortgage (behind existing lender) |
| Loan Term | Up to 12 months |
| Max SLVR (Residential) | Up to 90% |
| Max SLVR (Commercial) | Up to 80% |
| Approval Time | 24-48 hours |
For example only and in most cases: Subject to First Mortgagee Priority
A buffer of +10% to +25% is applied to the outstanding first mortgage (depending on the type and priority of the first mortgage provider).
This ensures lending decisions reflect real-world recovery costs, risk exposure, and capital protection across all second mortgage transactions.
Note: Terms and Conditions Apply.
Understand the typical costs involved, including application, legal, valuation, and ongoing account management fees.
Fees:
Access equity without disrupting your existing finance structure.
