Eden Emerald
Second Mortgages
(2nd Mortgages) Australia
Shaun Bettman
EE Mortgages
Eden Emerald Mortgages has helped thousands of clients access second mortgages.
Our team specialises in 2nd mortgages in Australia and our expertise is unparalleled.
- Lowest rates guaranteed
- 2nd mortgages approved quickly
- 100% 5-star Google reviews
- Established in 2007
Shaun Bettman
Eden Emerald Mortgages
Get in touch, and an expert will call you back
- We offer you the best rates on your second mortgage, up to 7% lower than other private lenders
- Borrow up to 70% LVR on your 2nd mortgage, while most other private lenders only allow up to 50 or 60% LVR
- We have been in business for over 17 years and we know second mortgages better than anyone else
- Get approved quickly with a simple application process, even if you have bad credit
Featured On
We Help You With All Your
2nd Mortgage Needs in Australia
At Eden Emerald Mortgages, we deliver a superior lending experience by combining deep industry knowledge, effective communication, and genuine care, to help business clients access second mortgages.
With decades of collective expertise, our team offers competitive rates and a broad array of mortgage loan products, whether you are a property developer, entrepreneur or business owner. We offer fast flexible and personalised lending options to meet your needs.
What We Offer
Tailored Lending Options
We provide a range of private mortgage options, including first and second mortgages, caveat loans, and short-term property loans. These are designed to accommodate various business purposes, such as property development, bridging finance, or working capital requirements.
Flexible Approval Criteria
Unlike traditional lenders, we consider your current financial situation and future prospects, which means we can offer you a 2nd mortgage even with a poor credit history. We also consider the value of your property, which increases your chance of approval.
Quick Access to Money
We facilitate fast settlements, usually within days, so you can access your funds as soon as possible. There is no need for extensive documentation checks that banks and traditional lenders use, which drag out the approval process for weeks.
Why Choose
EE Mortgages?
Eden Emerald Mortgages has been in business since 2007. Our team specialises in second mortgages and we have particular expertise with structuring hard to close loans. We have helped thousands of clients access 2nd mortgages in Australia, with the lowest interest rates.
What Our Customers Say
Since Eden Emerald Mortgages began operations in 2007 we have helped thousands of Australians secure a second mortgage. See what some of our satisfied customers say about us below.
Frequently Asked Questions
A second mortgage is a loan taken out using your property as collateral when you already have an existing mortgage on it. It sits behind the first mortgage in priority, meaning the first lender gets repaid first if the property is sold or foreclosed.
A second mortgage works by allowing you to borrow against the equity you’ve built up in your property, while keeping your existing (first) mortgage in place. The second lender registers a secondary interest on your title, and if you default, the first lender is paid out before the second—making it riskier for the second lender, which often means higher interest rates around 15 - 25%. However, we can help you get a 2nd mortgage with interest rates between 12 - 18%. Contact us to find out more.
Refinancing is a better option if you want to consolidate debt, lower your interest rate, or borrow a larger amount by unlocking more equity. You should consider a second mortgage if you have a bad credit score or minimal equity.
Yes, you can get a second mortgage with bad credit, but it may come with higher interest rates and fees. At Eden Emerald Mortgages, we help borrowers with poor credit access second mortgages by focussing more on the equity in your property than your credit score. Get in touch today to see how we can help you secure a 2nd mortgage.
We pride ourselves on being efficient and quick with our services, and approval can be achieved in several days, giving you quick access to the funds you need.
This will depend on the value of your property and your ability to repay the loan based on your future prospects. While many other private lenders only allow maximum of 50% or 60% LVR, we help our clients borrow up to 70% LVR with lower interest rates than competitors. Get in touch now and we will help you work out how much you can borrow.
Speak to an Expert and
Get Your Private Mortgage Approved
To get started with securing a private mortgage, fill in the form below, and we will contact you about your personal situation.
Contact Info
Address: Level 5, 20 Bond Street, Sydney, NSW, 2000, Australia
Phone: 02 9188 9398
Email: [email protected]
Shaun Bettman is an authorised credit representative (CRN 399434) of BLSSA Pty Ltd (Australian Credit License No. 391237)
©2025, Eden Emerald Mortgages