Here’s how we make second mortgages and debt consolidation work smarter
When banks say no or you need options they can’t offer — we help you structure finance that works for your real-world situation.
Short or long-term options, tailored to your needs
From 6-month bridging to multi-year top-ups, we’ll structure the loan around your timeline — and help plan your next step.
Tap into equity without touching your main mortgage
No need to break your fixed term or redo your full mortgage — a second mortgage adds just what you need, when you need it.
Consolidate debt into one manageable repayment
Multiple loans, high interest rates, and juggling payments? We’ll help you bundle everything into one clear loan — often saving thousands in the long run.
Flexible lenders and faster turnaround
We work with specialist lenders who understand second-ranking mortgages — with approvals in days and a focus on real-life lending.
FAQs about second mortgages and debt consolidation
What can I use a second mortgage for?
Almost anything — from consolidating credit cards and personal loans, to funding a reno, investing in your business, or helping family. As long as there’s enough equity and a clear plan to repay, we can help structure the right solution.
Why would I get a second mortgage instead of refinancing?
Sometimes you want to access extra funds without breaking your existing home loan, or you can’t get further funding from your first mortgage holder. A second mortgage lets you access extra funds to achieve your goals.
How fast can I get approved?
Often within 3–5 working days. The process is usually much faster than full refinancing — and we guide you through everything from documentation to settlement.
Need to unlock equity or simplify your repayments?
Book a free, no-pressure chat with a Luminate adviser. We’ll help you understand your options — and get a smart plan in place that works for you.
We work with trusted bank and non-bank lenders
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Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Our specialist lending solutions
Self-employed borrowers
Your income may not be traditional — but we know how to present it. From low-doc loans to tailored structures, we help contractors, sole traders, and business owners get the lending they need.
Bridging & short-term loans
Buy before you sell, fund urgent settlements, or keep your project on track. We move fast — with lenders who specialise in time-sensitive funding.
Low deposit or credit challenges
Been told no by the bank? That’s not the end of the road. We help first-time buyers and existing homeowners access finance with as little as 5–10% deposit — even with past credit hiccups.
