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Modern Architecture
Caveat and 
Second Mortgages
Considered Response, Fast Settlement, Less Fees.

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How to Calculate your LVR For a Second Mortage Loan.

We get asked this question all the time.

If your security value is $2,000,000

You have a first mortgage of $1,000,000

You need $500,000 to help your business get back on track.

Your second mortgage LVR is 75%

Send Us an email for a quick reply. We can issue a term sheet within the day.

Loan Purpose

You can apply a second mortgage for any of the following purposes:


Incomplete construction

Business purpose loans,

Equity release for a specific purpose

Caveat Loans or First Mortgage loans are fast settling short-term loans that are generally for a period of between 1 to 24 months.

They are low doc or alt doc loans and are secured against real estate, no financials required.

 Caveat Loans are available to clients who wish to retain their existing 1st mortgage but require a short-term line of funding beyond their current credit provider’s capacity.

A Second Mortgage is a loan secured against a property that already has a First Mortgage attached to it. You will still have your original lender on the title of your property and the second mortgage ranks after this. (New Laws mean the first mortgagee no longer requires notice of a second mortgage)

For our Caveat Loan or Second Mortgage products, the Maximum Lvr is Usually 70 - 75% but on a case-by-case basis some lenders will accept 80% Lvr. The loan term is usually between 1- 24 months.

For First Mortgages the Maximum Lvr is usually in the 65 - 75% range. The loan term is usually 1 - 24 months. 

AAA has our own funds, so we can normally settle within 3 working days from approval. 

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