Finance question
Can I borrow against more than one property?
Yes. Cross-securing means using two or more properties together as security for a single facility, which lifts your borrowing capacity beyond what any one property supports. It suits owners with equity spread across a home, an investment or commercial premises. The facility is sized to your combined equity, up to the $5 to 6 million range.
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The short answer
Combine your equity, lift your capacity
If your equity is spread across more than one property, you do not have to pick just one. Cross-securing pools the equity from two or more properties behind a single facility, so the amount you can borrow is set by your combined equity rather than the ceiling of any one property. That is how larger facilities, up to the $5 to 6 million range, are built.
The mix can include a home, an investment property and commercial premises together. Because real estate secures the whole facility, the pricing stays at single-digit rates and many of these deals settle with no financials. The equity across the properties carries the risk, so the paperwork stays light.
Cross-securing is powerful but worth structuring carefully, because the properties are linked under one facility. The right approach depends on how much equity each property holds, what the funds are for and how you want the security arranged. We map that out before matching it to the lender that best supports a multi-property structure.
Do you qualify?
What makes a multi-property facility work.
Two or more properties
A home, investment or commercial premises can combine.
Combined equity
The pooled equity across them sets the borrowing capacity.
A bigger facility in mind
When one property alone won't reach the amount you need.
An active ABN
Sole traders and companies both qualify.
Why cross-securing helps
More equity, more capacity
Pooling properties lifts the ceiling beyond any single one on its own.
Single-digit rates
Real estate secures the whole facility, keeping the pricing in single digits.
Flexible mix
Home, investment and commercial property can all sit behind one facility.
A real example
An owner holds a home with $400k of equity and a small commercial unit with $600k, but neither alone funds the expansion they want. Cross-securing both behind one facility pools the equity into a seven-figure loan at a single-digit rate, with no financials required. The combined equity did what one property could not. Subject to valuation. Illustrative only.
Common questions
Frequently asked questions
What does cross-securing mean?
It is using two or more properties together as security for a single facility, so their combined equity sets how much you can borrow.
Can I mix a home and a commercial property?
Yes. A home, an investment property and commercial premises can all sit behind one facility.
Does it let me borrow more?
Usually, yes. Pooling equity across properties lifts your capacity beyond what any single property supports, up to the $5 to 6 million range.
Is it more complex to set up?
The properties are linked under one facility, so it pays to structure it carefully, which is what we map out before submitting.