Two professionals in discussion reviewing second mortgage lending options

Second mortgage lending for experienced borrowers

We arrange second mortgages secured by property. Fast decisions, our own capital, and no surprises at settlement.

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Second Mortgages

Need additional capital without refinancing?

We arrange second mortgages for property investors and business owners who need fast, practical funding.

Recent Funding Example

Second Mortgage

$1.9M

Purpose

Equity Release for Business Expansion

Settlement Timeline

5 days

LVR

75%

Facility Term

12 Months

Discuss a Similar Deal

“We needed additional capital quickly but didn’t want to refinance our first mortgage. Maranta organised a second mortgage within days and made the whole process straightforward.”

Property Investor - QLD

See If We Can Help

A clear answer within 24 hours.

Access capital without touching your first mortgage.

We handle situations that don’t fit bank policy.

Clear structure. Transparent terms. No surprises.

You deal directly with the team assessing your transaction.

How it works

A straightforward process — funded with our own capital.

We assess each deal directly, provide clear feedback quickly, and lend our own capital - no reliance on outside funders.

Initial Review

Clear answer within 24 hours. We assess your scenario and confirm whether it’s suitable — quickly and directly.

Initial Review

Clear answer within 24 hours. We assess your scenario and confirm whether it’s suitable — quickly and directly.

Initial Review

Clear answer within 24 hours. We assess your scenario and confirm whether it’s suitable — quickly and directly.

Transparent Terms

We outline structure, pricing and timeframes clearly and upfront.

Transparent Terms

We outline structure, pricing and timeframes clearly and upfront.

Transparent Terms

We outline structure, pricing and timeframes clearly and upfront.

Settlement

We lend our own funds — no waiting on outside lenders or third-party approvals.

Settlement

We lend our own funds — no waiting on outside lenders or third-party approvals.

Settlement

We lend our own funds — no waiting on outside lenders or third-party approvals.

Security

Real property. Real lending.

We lend against residential and commercial property with clear, enforceable value. If the asset stacks up and there's a sensible path to repayment, we want to hear from you.

Discuss Your Scenario

Security

Real property. Real lending.

We lend against residential and commercial property with clear, enforceable value. If the asset stacks up and there's a sensible path to repayment, we want to hear from you.

Discuss Your Scenario

Security

Real property. Real lending.

We lend against residential and commercial property with clear, enforceable value. If the asset stacks up and there's a sensible path to repayment, we want to hear from you.

Discuss Your Scenario

Experienced private lender carefully reviewing loan documents and property details"

Capital

We look at the whole picture

Before we commit, we understand the property, the existing debt, and how you're planning to exit.

Discuss your Scenario

Capital

We look at the whole picture

Before we commit, we understand the property, the existing debt, and how you're planning to exit.

Discuss Your Scenario

Capital

We look at the whole picture

Before we commit, we understand the property, the existing debt, and how you're planning to exit.

Discuss Your Scenario

Experienced small business owner working on laptop outside her shop

Borrower Profile

You know what you're doing. So do we.

We work best with property investors and business owners who've been around the block. You don't need hand-holding — you need a lender who gets it and moves fast.

Discuss Your Scenario

Borrower Profile

You know what you're doing. So do we.

We work best with property investors and business owners who've been around the block. You don't need hand-holding — you need a lender who gets it and moves fast.

Discuss Your Scenario

Borrower Profile

You know what you're doing. So do we.

We work best with property investors and business owners who've been around the block. You don't need hand-holding — you need a lender who gets it and moves fast.

Discuss Your Scenario

Why Borrowers Choose Maranta

Private capital. Clear structure. No surprises.

What we are not

A volume-driven lender

An automated credit scoring model

Warehouse-funded capital

Outsourced decision-making

Development finance focused

Bound by bank policies and committees

Capital deployed without structure

Hidden fee layers

Vectura

Built specifically for modern finance operations.

Clean, intuitive interface designed for speed.

One platform — expenses, budgets, vendors.

Smart approval flows with built-in controls.

Real-time insights with budget health indicators.

Up and running in days with guided implementation.

Transparent pricing with everything included.

Dynamic, customizable reports you can actually use.

What we are not

A volume-driven lender

An automated credit scoring model

Warehouse-funded capital

Outsourced decision-making

Development finance focused

Bound by bank policies and committees

Capital deployed without structure

Hidden fee layers

What we offer

Direct capital decision-making

Structured second mortgage facilities

Clear decisions without delay

Clear commercial terms from the outset

Defined and realistic repayment pathways

Professional coordination with legal representatives

Discreet and confidential execution

Ongoing clarity throughout the facility term

What we are not

A volume-driven lender

An automated credit scoring model

Warehouse-funded capital

Outsourced decision-making

Development finance focused

Bound by bank policies and committees

Capital deployed without structure

Hidden fee layers

What we offer

Direct capital decision-making

Structured second mortgage facilities

Clear decisions without delay

Clear commercial terms from the outset

Defined and realistic repayment pathways

Professional coordination with legal representatives

Discreet and confidential execution

Ongoing clarity throughout the facility term

Frequently asked questions

Answers to common questions about second mortgage facilities.

Discuss your Scenario

If you’d like us to review a scenario, send through a short overview or call us directly.

Get in Touch

Do you prefer email? We're available at:

info@marantacapital.com.au

Discuss your Scenario

If you’d like us to review a scenario, send through a short overview or call us directly.

Get in Touch

Do you prefer email? We're available at:

info@marantacapital.com.au

Discuss your Scenario

If you’d like us to review a scenario, send through a short overview or call us directly.

Get in Touch

Do you prefer email? We're available at:

info@marantacapital.com.au

What do you actually lend against?

Completed residential or commercial property with clear equity. If the property is established and there’s a sensible repayment plan, we’ll take a look.

Do you fund development or construction?

No — our focus is existing property, not construction projects. If you’re unsure, just call and run it past us.

How quickly can you give me an answer?

If we have what we need, we can usually give you direction within 24 hours. Where everything is straightforward and documentation is ready, settlement can occur within 48 hours.

What do you need from me?

Just a brief outline of the property, the existing loan position, how much you’re looking to raise, and how you intend to repay it. That’s usually enough for us to tell you fairly quickly whether it’s workable.

Will this complicate my existing bank loan?

A second mortgage simply sits behind your current lender. We structure things properly and coordinate as needed so it remains clean and workable.

I'm a broker — how do I submit a second mortgage deal?

Send us a brief scenario overview — property details, loan amount, current debt position, and the borrower's exit strategy. We'll come back to you within 24 hours with a clear answer. We work flexibly with experienced commercial and property finance brokers, keep you across every step, and never contact your client without your knowledge.

What do you actually lend against?

Completed residential or commercial property with clear equity. If the property is established and there’s a sensible repayment plan, we’ll take a look.

Do you fund development or construction?

No — our focus is existing property, not construction projects. If you’re unsure, just call and run it past us.

How quickly can you give me an answer?

If we have what we need, we can usually give you direction within 24 hours. Where everything is straightforward and documentation is ready, settlement can occur within 48 hours.

What do you need from me?

Will this complicate my existing bank loan?

A second mortgage simply sits behind your current lender. We structure things properly and coordinate as needed so it remains clean and workable.

I'm a broker — how do I submit a second mortgage deal?

What do you actually lend against?

Completed residential or commercial property with clear equity. If the property is established and there’s a sensible repayment plan, we’ll take a look.

Do you fund development or construction?

No — our focus is existing property, not construction projects. If you’re unsure, just call and run it past us.

How quickly can you give me an answer?

If we have what we need, we can usually give you direction within 24 hours. Where everything is straightforward and documentation is ready, settlement can occur within 48 hours.

What do you need from me?

Will this complicate my existing bank loan?

A second mortgage simply sits behind your current lender. We structure things properly and coordinate as needed so it remains clean and workable.

I'm a broker — how do I submit a second mortgage deal?