Finance question
Can I get a business loan against an investment property?
Yes. The equity in an investment property works as security for a business loan just as well as your home. Residential or commercial investment property both qualify, at single-digit rates with no financials on many deals. What you can borrow is sized to the equity you hold, not a fixed cap.
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The short answer
Investment equity is real security
A lender secures against the value of real estate, and an investment property is real estate. Whether it is a residential rental or a commercial holding, the equity you hold in it can back a business loan the same way your own home can. You keep the property; you borrow against the equity sitting inside it.
Because property secures the loan, the pricing stays at single-digit rates and many of these deals settle with no financials. What you can borrow is driven by how much equity you hold, scaling up to the $5 to 6 million range that property-backed lending reaches, rather than a flat maximum.
Using an investment property can also keep your other finances tidy, borrowing against one asset while leaving your home or trading accounts untouched. The right structure depends on the property, your equity and what the funds are for, which is what we work out before matching it to the right lender.
Do you qualify?
What makes the deal work.
An investment property
Residential or commercial holdings both qualify as security.
Equity in it
Value minus what you still owe; the real driver of the amount.
One or more properties
Cross-securing can lift your borrowing capacity.
An active ABN
Sole traders and companies both qualify.
Why an investment property works
Equity is equity
A lender values the equity in the asset, whether it is your home or an investment.
Single-digit rates
Property security keeps the pricing in single digits, close to a home loan.
Keeps other assets free
Borrow against one property and leave your other finances untouched.
A real example
An owner holds a residential rental worth $900k with a $300k loan, so about $600k in equity. That equity secures a business loan to fund expansion, at a single-digit rate, with the rental left in place and their family home untouched. The funds came from the investment equity alone. Subject to valuation. Illustrative only.
Common questions
Frequently asked questions
Does it have to be my home, or can I use a rental?
An investment property works as security just as well as your home; both residential and commercial holdings qualify.
How much can I borrow against it?
It is sized to your equity, scaling up to the $5 to 6 million range, not set by a flat cap.
Do I need financials?
For many property-backed deals, no. The equity in the property carries the risk.
Can I use the investment property and keep my home out of it?
Yes. You can borrow against the investment equity alone and leave your home untouched.