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Second mortgage | The Loan Club

Small Funding Gaps Don’t Have to Be a Big Deal

Secure second mortgage funding and bridging loans to help with your loan to value requirements.

The Loan Club’s Mortgage Gap Loans and Bridging Loans help mortgage brokers get more deals done. When clients fall short of lending criteria our loans can give you and your customer the funding needed for successful mortgage deals via a second mortgage. 

The Loan Club Team at the Hai Money Melbourne Event 2025

Flexible Solutions for Your Clients

We can help you close the gap and close the deal via a second mortgage or caveat

Is your client just short of the LVR (Loan to Value Ratio) needed?

Are you unsure if LMI (Lenders Mortgage Insurance) is in the best interest for your client?

Are the other alternatives unfavourable?

Mortgage brokers who are members of The Loan Club may access bridging loans and second mortgage finance that solve these problems. All mortgage deals are client-friendly, flexible and fast to assess. Most importantly, we put people first, ensuring our loans meet their needs while helping you meet yours. We make the application process simple for you and your client.

Flexible solutions | The Loan Club

Here's What Sets The Loan Club Apart:

Keys To The New Place

Over 20 Years Helping Brokers Help Their Clients

We aren’t new on the block. We’ve built our business over decades of responsible, fit-for-purpose lending. By only working with selected mortgage brokers, offering loans that truly work for their clients, we’ve helped mortgage brokers like you help clients like yours secure finance for first and second mortgages, business loans and personal consumer finance when they may otherwise have been declined.

We are selective about who joins our club

We go above and beyond for the people we work with

You get personal, prompt and professional service

You benefit from more ways to help more people

Our members are rewarded when they refer the right clients.

We always act with your clients' best interest in mind. 

The Process

Hear what Australians are saying about The Loan Club.

Who is The Loan Club For?

We work with selected mortgage brokers. The Loan Club only partners with brokers who share our philosophy of putting people first and who have their clients best interest at heart, actively seeking the best way to secure their mortgage, business or consumer loan.

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By joining The Loan Club, you'll have direct access to our loan officers who will help you promptly when you need assistance. So while you may not need a Mortgage Gap Loan today, when you have a client who does we'll be waiting and ready to help. 

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We help mortgage brokers who meet the following criteria:

You bring a minimum 3 years of experience, or have strong, suitable references

You hold professional indemnity insurance

Terms & conditions apply

Frequently Asked Questions

Get In Touch | The Loan Club

Want to get more deals done?
Get in touch today.

If you would like more information or to speak with us about Mortgage Gap Loans or our other loan products please complete the form below.


By joining The Loan Club we'll be able to help you and your clients quickly when you need us. 


If you qualify and would like to join, registration is free and simple.

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PO Box 870, Bondi Junction NSW 1355

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® 1998-2025 The Loan Club Pty Ltd | All Rights Reserved

Disclaimer:

The information provided on our website is for general knowledge only and does not constitute financial advice. Please consult a qualified professional before making any financial decisions. 

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All loan applications are private and discreet. All loans are subject to meeting credit criteria. Our compliance obligations require us to collect, verify and record information that identifies each person or business who holds an account with The Loan Club. During the assessment process we will ask for details which identifies you such as name, address, and date of birth, we will also require a copy of your driver’s licence or other identifying documents and/or company documents as the case may be.

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​Commencing February 2025, minimum Annual Percentage Rate (APR) is 9.95% and the minimum annual Comparative Percentage Rate (CPR) which includes all fees and charges is 10.95%. The maximum APR is 19.95% and the maximum CPR is 20.50%. These rates are only indicative and will vary depending on many factors such as the applicant’s credit history, financial situation, ability to service the loan and assets or liabilities. Minimum repayment term is 52 weeks and maximum repayment term is 260 weeks.

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​Representative example: For a borrower who meets our credit criteria, a secured personal loan of $20,000.00 borrowed for 52 weeks with an interest rate of 9.95% per annum (CPR 10.95%), would estimate to a minimum total amount payable of $21,630.23. Rates, fees and charges are subject to change.

Warning:

These comparison rates only apply to the examples provided. Different amounts and terms will result in different comparison rates. Unascertainable costs such as discharge of mortgage, legal fees at settlement as well as administrative costs are not included in the comparison rate cost and may influence the cost of the loan.

 

The interest rate charged is determined by the loan amount and the loan term. The principal as well as fees and charges provided to an applicant will be established by the information they provide to us during the loan assessment process.

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