Guide topic
Property-Secured Business Finance Guides
Using property, LVR, mortgages, caveats and exit plans.
Property can unlock larger amounts and faster decisions than unsecured lending, but it also raises the stakes. The type of security, its position on the title and the plan for repaying the loan all matter as much as the amount.
These guides explain how property-secured business lending works, from working out your usable equity to understanding the difference between a caveat and a registered mortgage, and why every short-term secured loan needs a clear exit.
Ready to talk about your own numbers? Make one enquiry; there is no credit check when you first enquire.
Using your home equity to fund a business
How using home equity for business finance works, the options (refinance, second mortgage, caveat), the real risks to your family home and safer alternatives.
Loan-to-value ratio (LVR) for business loans
How LVR works for property-secured business loans: calculating it, combined LVR, how property type and location change limits, valuations and improving yours.
First mortgage or second mortgage for business finance?
First versus second mortgages for business finance: ranking, cost, speed, consents, combined LVR and when keeping your existing loan makes sense.
Caveat or registered mortgage: what is the difference?
Caveats and registered mortgages compared for business loans: what each records on title, speed, lender rights, cost, conversion and what to check.
Commercial or residential property as security for a business loan
How lenders treat commercial and residential property as security for business loans: valuations, LVR limits, specialised property, leases and resale risk.
Exit strategies for short-term secured business loans
Why short-term secured business loans need an exit strategy, what makes an exit credible, common exits, buffers and what to do if the exit slips.
Your next step
Find out what might fit your business
Tell us the amount, what it is for and a little about your trading history. There is no credit check when you first enquire, one lending partner looks at it properly, and a person calls you back rather than a stream of sales calls.
- No credit check to enquire. Asking a question about your options leaves no mark on your credit file. A credit check only happens later, if you decide to apply.
- One enquiry, not a lead auction. Your details are not sprayed across a list of lenders. One lending partner looks at your situation properly.
- A real person reads it. A person who works with business finance every day reviews your enquiry and calls you. Accurate answers help them get it right first time.