Home Secured Business Loans
Use Your Home Equity to Fund Your Business
A home-secured business loan unlocks the equity in your residential property to fund your business — faster approvals, larger amounts, and more flexible criteria than unsecured lending. We access private lenders and banks for this type of finance.
What Is a Home-Secured Business Loan?
A home-secured business loan uses your residential property — your home or an investment property — as security for a commercial loan. The lender takes a first or second mortgage over the property, which reduces their risk and allows them to lend more, faster, and often at better rates than purely unsecured business lending.
This type of finance is used by business owners who have equity built up in property but need access to capital for their business — whether for working capital, acquisitions, equipment, or to bridge a cash flow gap. It is distinct from standard secured business loans that use commercial property or business assets as security.
We work with both private lenders (offering speed and flexibility) and banks (offering lower rates for longer-term needs) to find the right fit for your situation.
Key Features
Home-secured business loans offer advantages that standard business lending cannot match.
Residential Property Security
Use your home or investment property as security — first or second mortgage. Unlocks business finance without relying on business assets alone.
Loan Amounts from $50K to $5M+
Borrowing capacity is driven by your available equity, not just business turnover. Access larger amounts than unsecured business loans typically allow.
Fast Private Lender Approvals
Private lenders specialising in home-secured business finance can approve and settle within 24–72 hours — significantly faster than bank alternatives.
Any Business Purpose
Funds can be used for working capital, business acquisition, equipment, cash flow, tax obligations, or any other legitimate business need.
First or Second Mortgage
Finance available whether your property is unencumbered or already has an existing mortgage — provided there is sufficient equity.
Flexible Terms
Short-term options from 1 month for bridging needs, through to 5-year terms for longer funding requirements. Structure tailored to your cash flow.
Private Lender vs Bank — Which Is Right for You?
Both offer home-secured business finance. The right choice depends on your urgency, credit history, and how long you need the funds.
Private Lender
- Approval in 24–72 hours
- Less documentation required
- Flexible credit criteria — adverse history considered
- Short to medium terms (1 month – 2 years)
- Higher rates (12–24% p.a.) reflecting speed
- Loan amounts up to 65–75% LVR
- Suits urgent capital needs and bridging
Bank
- Approval in 2–4 weeks
- Full financials and documentation required
- Strong credit history expected
- Longer terms available (1–5+ years)
- Lower rates (7–12% p.a.)
- Loan amounts up to 80% LVR in some cases
- Suits longer-term, planned funding needs
We assess your situation and recommend the right lender type — or structure a staged approach where a private lender bridges you while you prepare a bank application.
Important: Your Property Is at Risk
When you use your home as security for a business loan, your property can be sold by the lender to recover their debt if you default. This is a serious commitment. We discuss this risk clearly at the outset and only recommend this type of finance where the business case is sound and the repayment capacity is clear.
Who Uses Home-Secured Business Loans
This type of finance suits a wide range of business situations:
Want to Know How Much You Can Access?
Tell us your property value, existing mortgage balance, and what you need the funds for. We will calculate your available equity and recommend the right lender.
How It Works
From first conversation to funds in your account.
Initial Consultation
We discuss your business funding need, the property you intend to use as security, and your existing mortgage position. We give you an honest view on how much is available and at what cost.
Property & Equity Assessment
We assess your loan-to-value ratio (LVR), existing encumbrances, and available equity to determine borrowing capacity and appropriate lender.
Lender Selection
We match your situation to the right lender — private lender for speed, bank for rate. The right choice depends on your urgency, credit history, and loan term.
Application & Approval
We prepare and submit your application, manage the valuation process, and work through to formal approval — responding to lender queries at each step.
Settlement
We coordinate with your solicitor to complete the mortgage documentation and settle the loan. Funds are released to your business account.
Frequently Asked Questions
Related Services
Secured Business Loans
Business loans secured by commercial property or business assets.
2nd Mortgages for Business
Second mortgage lending for businesses with existing property finance.
Finance Advisory
Ongoing finance partnership — facility reviews, refinancing, and debt optimisation.
Ready to Unlock Your Home Equity for Your Business?
Book a free assessment. We will calculate your available equity and recommend the right lender for your situation.