How long does the whole process take?

Indicative terms usually come back within 24–48 hours, and settlement often follows within days once the security details and a clear exit are confirmed.

Do you need my full financials?

No — assessment is based on your security, equity and exit, not income verification or tax returns. The documentation is deliberately light.

Will this disturb my existing mortgage?

No. The funding sits behind your current facility as a caveat or second mortgage, so your first loan stays in place and undisturbed.

Is this business-purpose only?

Yes — funding is for Australian companies and trusts borrowing for business or investment purposes, not consumer borrowing.

Process

How it works

Getting funded with Lienhouse starts with four things: the amount, the security, the purpose and your timeframe. We assess the asset and your exit rather than your income, send indicative terms back — usually within 24–48 hours — and once they suit, move through light paperwork and legals to settlement, often within days.

The short version: you tell us four things, we assess the asset and the exit, and we come back with indicative terms — usually within 24–48 hours. If the terms suit, light paperwork and legals follow, and funds are released at settlement, often within days. Everything runs through us start to finish.

The four things we start with

Every enquiry comes down to the same four details, and they are all we need to give you a useful first answer:

Amount — how much capital you need.
Security — the property (or other asset) it is secured against, and any loan already on it.
Purpose — what the funds are for. This is business-purpose funding, so the use needs to be for your company or trust, not personal.
Timeframe — when you need it settled.

That is the enquiry. No financials, no business plan, no forecasts to start.

How the process runs

You enquire. The amount, the security, the purpose and the timeframe — a few minutes.
We assess. We look at the asset, the equity behind any existing mortgage, and how the loan gets repaid (the exit). The property and the exit carry the assessment, not your income or trading history.
Indicative terms. We come back with representative terms — amount, rate, term and LVR — usually within 24–48 hours. These are subject to a full assessment, but they tell you quickly whether the deal works.
Legals and settlement. If the terms suit, the security is documented and the legal work is completed. Funds are released at settlement, often within days.

How fast it moves

Speed is the point of this kind of funding. Indicative terms usually land within 24–48 hours, and straightforward deals can settle within days once the security details and a clear exit are confirmed. What sets the pace is mostly outside the numbers: how quickly you can supply documents, the property type and location, whether a valuation is needed, and — for a registered second mortgage — whether your existing mortgage holder’s consent is required. Clean files on metropolitan property move fastest.

What we’ll need from you

The documentation is deliberately light. In most cases that means a rates notice, photo ID and a statement showing the balance on your current mortgage — enough to confirm the security and the equity. Full financials, tax returns and trading history generally are not required, because the asset and the exit do the work. If a valuation or extra detail is needed for your security, we tell you upfront.

How the funding is structured

The funding is secured against property you already own. In most cases that is a caveat or a second mortgage sitting behind your existing mortgage — so there is no refinance, and your first facility stays in place and undisturbed. Larger or slightly longer needs might suit a second mortgage; urgent, short-term needs often suit a caveat. The structure is matched to the job, the security and your exit. It is business-purpose funding for Australian companies and trusts, and you deal with us from the first enquiry through to settlement.

Have an asset and a need?

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