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First and Second Mortgages
First & Second Mortgage Finance for Business Owners
First & Second Mortgages for Commercial Property, Simplified
PSA Capital Investments is Australia’s trusted private lender for business owners and property investors seeking first and second mortgage finance. We deliver fast, asset-backed lending solutions that help you access capital sooner, without the delays often associated with traditional lenders.
How Our Mortgages Work 
PSA Capital Investments brings decades of lending experience to every first and second mortgage we structure. Every application is individually assessed, providing a clear pathway to fast, flexible funding.
Loan Amount
$50,000–$10 million
Security
First or second mortgage secured against property
Loan to Value Ratio (LVR)
Up to 70–75%, depending on the property and transaction
Loan Term
Up to 3 years
Supporting Business Owners with Short-Term Property Finance
Our first and second mortgages provide short-term, asset-backed funding for businesses looking to purchase, refinance or unlock equity in property. From time-sensitive opportunities to finance outside the constraints of traditional banks, PSA Capital Investments delivers flexible lending solutions with clear terms and competitive rates.
Commercial property finance can help you purchase business premises, refinance existing debt or release equity tied up in property.
A second mortgage lets you access additional capital while keeping your existing primary loan in place.
Flexible business lending gives you fast access to capital for expansion, acquisitions or time-sensitive opportunities.
A Smarter Approach to Mortgage Lending
At PSA Capital Investments, we believe mortgage lending should be transparent, flexible and built on a genuine understanding of your circumstances. Every application is individually assessed to ensure we deliver funding solutions that are responsible, practical and aligned with your goals.
- Every application is individually assessed on its merits
- Flexible lending options structured around your goals
- Clear lending terms with no unnecessary complexity
- Early and additional repayments without unnecessary penalties
A Lending Partner for Your Next Opportunity
Securing first or second mortgage finance is an important decision, and having the right lending partner can make all the difference.
PSA Capital Investments combines experienced guidance with flexible funding solutions, helping business owners and property investors access capital with confidence. Our mortgage finance solutions provide:
- Competitive rates matched to your transaction and funding requirements
- A dedicated lending team supporting you from application through to funding
- Fast access to capital when timing is critical
- Clear terms and defined exit strategies to help you plan with confidence
Why Choose Us
Respectful
We take the time to understand your circumstances, goals and funding requirements, structuring mortgage solutions aligned with your objectives.
Experienced
With decades of lending experience, PSA’s team understands the nuances of first and second mortgage finance and helps you identify the right funding approach.
Transparent
We provide clear terms, straightforward communication and a lending process designed to give you confidence from application through to funding.
Reliable
Business owners and property investors trust PSA for consistent support, practical solutions and a commitment to delivering funding outcomes when they matter most.
Frequently Asked Questions
What is a first mortgage?
A first mortgage is the primary loan secured against a property, giving the lender the first security interest over the asset if the loan is not repaid. PSA Capital Investments provides first mortgage finance for business owners and property investors seeking flexible, asset-backed funding solutions.
What is a second mortgage?
A second mortgage is an additional loan secured against a property that already has an existing first mortgage. It allows business owners and property investors to access available equity without refinancing their current loan, making it a useful option for short-term property finance and business lending needs.
What's the difference between a first and second mortgage?
The difference between a first and second mortgage is the lender’s position against the property. A first mortgage holds the primary security position, while a second mortgage sits behind the existing lender and provides access to additional funding secured against available equity.
Who are first and second mortgages suited to?
First and second mortgages are suited to business owners and property investors seeking short-term, asset-backed funding. They can support opportunities such as purchasing property, refinancing, unlocking equity or accessing capital when traditional bank lending is too slow or restrictive.
What can a mortgage from PSA be used for?
PSA’s first and second mortgage finance can be used for a range of business and property purposes, including commercial property purchases, refinancing existing debt, accessing equity, funding acquisitions and supporting short-term business lending requirements.
What LVR can I borrow at?
PSA provides loan to value ratios (LVRs) of up to 70–75%, depending on the property type, security position and strength of the transaction. Each application is assessed individually to determine an appropriate lending structure.
How quickly can I get approved for mortgage finance?
Approval timeframes depend on the details of the transaction and the information provided. PSA’s experienced lending team focuses on efficient assessments, clear communication and fast decisions to help borrowers access funding when timing matters.
Can I repay early or make extra payments?
Yes. PSA’s asset-backed lending solutions allow early or additional repayments, helping borrowers reduce their loan balance and repay their mortgage sooner without unnecessary penalties.
Contact PSA Capital Investments Now
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