Finance question
Can I get a business loan against my home?
Yes. Residential equity can secure a business facility, often at single-digit rates because a home is strong security. Many of these deals settle with no financials, and property-backed lending reaches the $5 to 6 million range. Your borrowing is sized to the equity you hold in the home.
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The short answer
Your home equity can fund the business
A home is one of the strongest forms of security a lender can hold, so residential equity is a common way to raise business funding. Because the loan is backed by real estate, the pricing sits at single-digit rates, closer to a home loan than to unsecured business debt.
The equity is what you can put to work, not the whole value of the house. Equity is the property value minus what you still owe on it. The more you hold, the larger the facility it can support, up to the $5 to 6 million range that property-backed lending reaches.
The paperwork is often lighter than people expect. On many property-backed deals the equity carries the assessment, so up-to-date financials are not required. New businesses can qualify too, without a long ABN history, because the security does the heavy lifting.
Do you qualify?
What makes a home-secured deal work.
Equity in the home
Value minus what you owe; the real driver of the facility.
An active ABN
New businesses qualify, no long history needed.
A clear purpose
Working capital, growth, stock, tax or an asset purchase.
Willing property owner
The home owner consents to the security being used.
Why home-secured lending prices so well
Real estate security
A home is strong security, so lenders price it in single digits.
Sized to equity
The more equity you hold, the larger the facility it supports.
Light on paperwork
With the equity carrying the deal, many facilities need no financials.
A real example
An owner holds a home worth $900k with a $300k mortgage, so about $600k in equity. That equity supports a business facility at a single-digit rate, used to buy stock and cover a fit-out, with no up-to-date financials required. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Do I need to own the home outright?
No. You only need enough equity, which is the value minus what you still owe. That equity secures the facility.
Will the rate be high because it is for business?
Usually not. Because a home secures it, the pricing sits at single-digit rates, closer to a home loan than unsecured business debt.
Can a new business borrow against a home?
Yes. New businesses can qualify without a long ABN history, because the property security carries the deal.
Do I need financials to be approved?
For many property-backed deals, no. The equity does the heavy lifting, subject to lender assessment.