Loans
Equity release
Equity release lets your company or trust raise capital against property you already own — without selling it and, in most cases, without refinancing your existing loan. How it's structured — behind your current facility, or as a new first mortgage where the property is unencumbered — depends on what already sits on the title.
Indicative only — subject to assessment. Placeholder figures.
How equity release works
Equity is the value of a property minus what’s owed on it. Equity release lets you borrow against the headroom — the gap between your current debt and the combined LVR ceiling, generally up to around 75% of value, subject to assessment and the asset type.
How it’s structured depends on what already sits on the title. If the property is unencumbered, the release is a new first mortgage drawing the cash out. If there’s a loan you want to keep, the release sits behind it as a second mortgage, leaving your first facility and its rate untouched. Where speed is the priority and the amount is modest, a caveat can do the same job faster. Because the structure varies, so does the rate — indicative and always subject to assessment.
What it’s typically used for
The common thread is a business that’s asset-rich but cash-tight. Owners use released equity to fund working capital, clear an ATO or tax debt, put down the deposit on the next purchase or an acquisition, bridge the gap on a sale, or consolidate higher-rate short-term debt into one cleaner position. The asset does the work that the bank’s serviceability calculator won’t, when the timing or the financials don’t fit.
What we’ll need
The security details (the property and what’s owed on it), a rough figure, and your exit — a sale, a refinance, or business cash flow. Assessment leans on the asset and the exit rather than full financials, so low-doc paths are available. Since this is lending to a company or trust for business purposes, a business-purpose declaration forms part of the file. That’s the bulk of it; we confirm the position and come back to you fast.
- Companies or trusts that are asset-rich but cash-tight, with equity in property and a clear exit
- Borrowers who want to release capital without selling the asset or refinancing a good facility
- Self-employed owners whose lodged financials lag a healthy business — assessed on the asset and exit, not the tax return
- Time-sensitive needs a bank can't meet in the window
- Owner-occupier consumer borrowers — this is business-purpose lending only, not a reverse mortgage or consumer equity product
- Anyone without realistic equity headroom beneath the combined LVR ceiling
- Borrowers without a credible repayment or refinance exit
How it compares
FAQ
Will this disturb my existing mortgage?
Usually not. Equity release typically sits behind your current loan as a second mortgage (or a caveat where speed matters), so your first facility and its rate stay in place. Where the property is unencumbered, it's structured as a new first mortgage instead.
How much equity can I release?
Generally up to around 75% of the property's value combined with any existing debt, subject to assessment and the asset type. The room between what's currently owed and that ceiling is what's available.
Is this a reverse mortgage?
No. This is business-purpose lending to companies and trusts, secured against property — not a consumer reverse mortgage or home-equity product.
How fast can it settle?
Often within days, once we have the security details, a valuation and a clear exit.
Release equity from your property.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
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