Finance question
Can I release equity from my home for my business?
Yes. You can turn the equity in your home into business working capital through a property-backed facility. Because a home is strong security, the pricing sits at single-digit rates, and many of these deals settle with no financials. What you can release is sized to the equity you hold, up to the $5 to 6 million range.
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The short answer
Turn home equity into working capital
Releasing equity means borrowing against the value you have built up in your home and putting those funds to work in the business. The equity is the property value minus what you still owe, and it is what a lender can lend against.
The security keeps the cost down. Because a home backs the facility, the pricing lands at single-digit rates, closer to a home loan than to unsecured business debt. That is a meaningful difference when the funds are going into stock, growth, a fit-out or clearing a tax balance.
The paperwork is often lighter than expected. On many property-backed deals the equity carries the assessment, so up-to-date financials are not required, and new businesses can qualify without a long ABN history. What you release is sized to the equity, up to the $5 to 6 million range.
Do you qualify?
What makes an equity release work.
Equity in the home
Value minus what you owe; the amount you can draw on.
A business purpose
Working capital, growth, stock, a fit-out or tax arrears.
An active ABN
New businesses qualify, no long history needed.
Willing property owner
The home owner consents to the equity being used.
Why releasing equity prices so well
Real estate security
A home is strong security, so lenders price it in single digits.
Sized to your equity
The more equity you hold, the more you can release.
Light on paperwork
With the equity carrying the deal, many facilities need no financials.
A real example
An owner holds a home worth $1m with a $350k mortgage, so about $650k in equity. Releasing part of that equity funds a $200k expansion at a single-digit rate, with no up-to-date financials required. The home secures the facility. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Do I need to own my home outright?
No. You only need enough equity, which is the value minus what you still owe. That equity is what you can release.
What rate will I pay?
Usually a single-digit rate, because a home secures the facility, closer to a home loan than to unsecured business debt.
Can I use the funds for anything in the business?
Generally yes, for a genuine business purpose such as working capital, stock, growth, a fit-out or clearing tax arrears.
Do I need financials to release equity?
For many property-backed deals, no. The equity does the heavy lifting, subject to lender assessment.