Property & Equity Releases
Commercial Property and Equity Releases
Buy or refinance commercial property, or unlock equity in property you already own to fund the business.
- Specialist in Business Lending
- Australia-wide
- No obligation quote
What it is
How Commercial Property Loans and Equity Releases Work
Commercial property loans fund the purchase or refinance of offices, warehouses, shops, industrial sites and other business premises. Equity release uses property you already own as security to raise funds for the business.
Alongside the banks, we can access non-bank and private lenders, including family office funding. That can help when timing is tight or a deal doesn't fit a bank's policy.
What You Can Use It For
- Buying business premises or a commercial investment
- Refinancing a commercial loan
- Releasing equity for working capital or growth
- Second mortgage funding
- Short-term bridging finance
- Paying out another lender or a tax debt (case by case)
Who it suits
Is It Right for Your Business?
- Businesses and investors with commercial or residential property
- Owner-occupiers buying their premises
- Borrowers outside bank policy, considered by private lenders case by case
Key Features
- Loan to value
- Lender dependent, usually lower for commercial than residential
- Term
- From short-term private loans to longer bank terms
- Security
- First or second mortgage
- Lenders
- Banks, non-banks and private funds
A general guide only. Your lender sets the actual terms, rates and fees.
Benefits and trade-offs
The Good, and What to Watch
Benefits
- Secured lending usually means lower rates and longer terms than unsecured
- Bank, non-bank and private options
- Private lenders can move quicker than a bank when the deal suits
Trade-offs
- Private and second mortgage funding costs more than bank lending
- Valuation and legal costs apply
- Your property is at risk if repayments are not met
How it works
Three Steps to Funding
Tell Us What You Need
A few quick questions about the finance and your business. It takes about a minute.
We Compare Your Options
We talk it through with you, then match your scenario to suitable lenders from our panel.
Get Funded
We handle the paperwork with the lender and keep you updated through to settlement.
FAQs
Common Questions
What's a second mortgage?
A loan secured behind an existing first mortgage. It lets you use equity without refinancing your main loan, usually at a higher cost.
How much can I borrow against my property?
It depends on the property's value, what's owing on it, the type of property and the lender. We'll work out a realistic figure with you.
Can I use my home as security for a business loan?
Some lenders will, for a business-purpose loan. It's a big decision, so we'll explain the risks clearly and you should get independent legal advice.
Ready to Talk Finance?
Tell us what you need. We'll compare lenders and come back with options.