Private Mortgages Australia: Second Mortgage Specialists for Complex Scenarios

Key features include:

• Loan amounts up to $2,000,000 (and up to $5,000,000 for select business scenarios) 
• LVRs up to 75% for metro residential security 
• Indicative approval in just 4 business hours 
• True no-doc lending: no income verification or serviceability requirements 
• Flexible interest structures, including prepaid or capitalised interest 

This structure enables borrowers to access funding without ongoing repayment pressure, making it particularly effective for short-term needs and strategic opportunities.

Built for Precision, Certainty, and Execution

In complex scenarios, access to capital is only valuable if it can be delivered with confidence.

PMA’s efficient assessment process provides an Indicative Letter of Offer within 4 business hours, giving borrowers and brokers immediate clarity on the viability of a deal.

This speed allows:

• Faster decision-making 
• Reduced uncertainty 
• Greater ability to act on opportunities or resolve urgent financial pressures 

With a streamlined process from application to settlement, PMA ensures that momentum is maintained from enquiry through to funding.

Specialists in Construction Completion Funding

One of PMA’s core strengths lies in its ability to support construction projects that require additional funding to reach completion.

Projects that encounter cost overruns, delays, or funding shortfalls often struggle to secure finance through traditional means. PMA addresses this gap by providing second mortgage solutions specifically designed for construction completion.

This enables:

• Developers to finish projects and realise their value 
• Owner-builders to move forward with confidence 
• Brokers to place complex deals that require a practical lending approach 

By focusing on outcomes rather than obstacles, PMA plays a critical role in helping projects reach the finish line.

A True Asset-Based Lending Approach

PMA operates with a clear and consistent philosophy: assess the strength of the asset and the exit strategy, rather than relying on traditional income-based metrics.

This means:

• No tax returns or financial statements required 
• No rigid serviceability calculations 
• A focus on how the loan will be repaid 

This approach is particularly suited to borrowers with:

• Irregular or non-traditional income 
• Short-term financial challenges 
• Active ATO obligations 
• Complex or evolving financial positions 

By removing unnecessary barriers, PMA ensures that viable opportunities are not overlooked.

Flexible Structures That Support Cash Flow

Understanding that many borrowers require breathing room, PMA offers flexible interest structures that eliminate the need for monthly repayments.

With options to capitalise or prepay interest over the loan term (typically 3 - 12 months), borrowers can:

• Preserve working capital 
• Stabilise cash flow 
• Focus on executing their strategy or exit plan 

This flexibility is especially valuable for business owners and developers managing multiple moving parts.

Case Study: Completing a Duplex Development Without Cash Flow Pressure

Here is an example of how flexible funding can be particularly valuable in time-sensitive development scenarios where maintaining cash flow is critical.

Scenario

An experienced property developer required additional funding to complete a duplex project in Melbourne. Despite a strong track record, they were unable to secure traditional finance due to the need for a capitalised interest structure.

The Challenge

The project was already underway, and without immediate access to funding, there was a real risk of delays impacting completion and eventual sale outcomes. Traditional lenders were unable to accommodate the structure required, leaving the borrower in a constrained position.

The PMA Solution

PMA provided a $545,200 second mortgage, secured against two residential properties, structured with prepaid interest over a 15-month term.

This allowed the borrower to:

• Access the required capital quickly
• Avoid ongoing monthly repayments
• Focus entirely on completing the development

The Outcome

With funding in place, the borrower was able to progress and complete the duplex, with the planned exit being the sale of the finished project to fully repay the facility.

Maximising business opportunity

Second mortgages are not just about accessing equity. They are about solving problems, creating opportunities, and enabling progress.

Private Mortgages Australia delivers funding solutions that are built for action, giving borrowers the confidence and capability to move forward when it matters most.