What goes on title
Property you can borrow against
Private lenders are lending against bricks, land and title rather than a credit score. Here's how each kind of property is viewed, and what helps or hurts its value as security.
Your home
Using your home to secure a private business loan: how much you can borrow, what lenders check, how to protect your family and when to keep the house out of it.
Read more →Investment property
Borrow against a rental or investment property for your business and keep the family home out of it. How lenders treat tenants, leases and existing loans.
Read more →Commercial and industrial
Offices, shops, warehouses and factories as security for private business loans: how valuers assess them, LVR limits and what makes a building easier to fund.
Read more →Vacant land
Vacant land as security for a private business loan: why banks hesitate, what private lenders accept, typical LVRs, zoning and how to plan the exit.
Read more →Rural and farm
Borrow against rural land, farms and lifestyle blocks for business needs. How private lenders value rural property, what they accept and how to plan repayment.
Read more →Company or trust property
Use property held in a company, family trust or unit trust to secure a private business loan. Who signs, which documents lenders need and how guarantees work.
Read more →Property with a mortgage
Already have a home loan? You can still borrow against the equity behind it with a second mortgage or caveat. How combined LVR and bank consent work.
Read more →Co-owned property
Using property you own with a spouse, partner, family member or business partner as loan security. Who must sign, independent advice and protecting everyone.
Read more →Strata units
Can a unit, apartment or strata townhouse secure a private business loan? How lenders size them up, which are harder, and what records to send.
Read more →Multiple properties
Combine two or more properties to secure a larger private business loan, or keep the family home out of it. How cross-securing and releases work.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
Kept private, not farmed out
Decided on the property