--- title: Process for registering a Second Mortgage - SA description: SOUTH AUSTRALIA South Australia has fully electronic titles with no electronic passwords, and on this basis a second mortgage may be lodged, in paper form or via PEXA, without any contact with the fir --- [Skip to content](https://info.lightyeardocs.com.au/supportcentre/hc/en-us/articles/360060292574-process-for-registering-a-second-mortgage-sa#main-content) English Show submenu for translations [![Asset 46@4x](https://info.lightyeardocs.com.au/hs-fs/hubfs/Asset%2046@4x.png?width=273&height=50&name=Asset%2046@4x.png)](https://www.lightyeardocs.com.au/) Open main navigation Close main navigation - English Show submenu for translations Your Gateway to Growth and Achievement! - There are no suggestions because the search field is empty. 1. [Success Hub](https://info.lightyeardocs.com.au/supportcentre?hsLang=en) 2. 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That said, the Real Property Act 1886 ('SA Act') is silent on the rights of a first mortgagee to treat the registration of further encumbrances as a default so, notwithstanding the ease with which a second mortgage may be registered in SA, a default of the first mortgage security may arise if the first mortgage restricts further encumbrances and the mortgagee does not approve of the second mortgage registration. **SA law therefore implies some unique considerations for lenders:** **As a Second Mortgagee:** - You are at liberty to lodge a second mortgage at any time in paper form or via PEXA without needing to contact the first mortgagee. - However, unless you are prepared to risk default on the first mortgage, you should enquire and ensure the first mortgagee actually approves of your second mortgage. - You may be required to sign a deed of priority in order to obtain the consent. **As a First Mortgagee:** - You cannot stop the registration of a second mortgage, which could be done without your knowledge or any notice to you. - You should ensure that your mortgage terms stipulate that lodgement of further encumbrances without your consent will be a default, so that you can treat a second mortgage registration as a default if the situation warrants it, and in such case you could require a deed of priority as a condition of approving the second mortgage. *Please be advised this is general information only, and is not to be taken as legal advice. 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