Equity release is the process of borrowing against the value already built up in a property - the difference between what the property is worth and what's still owed. Instead of selling the asset to access that capital, an equity release loan converts the equity into cash while you continue to own and use the property.
Where a bank typically requires a full refinance and a fresh serviceability assessment, a non-bank equity release loan can sit alongside an existing first mortgage as a second mortgage - leaving your current loan untouched. This is particularly useful when the existing loan is on attractive terms you don't want to lose, or when timing matters more than rate.
At Commercial Property Funding, equity release is assessed commercially - focused on asset quality and the strength of the deal. There's no rigid credit model and no requirement to provide tax returns or full financial statements.
Access capital without selling the underlying property Keep your existing first mortgage in place - no refinancing required Available as a 1st or 2nd mortgage depending on your structure Asset-led assessment - no tax returns or serviceability test No debt servicing - interest can be capitalised into the facility Fast settlement when timing is critical to the deal
Pull capital out of an existing property to use as deposit or working capital on a new development site.
Move quickly on an acquisition, settlement, or off-market opportunity that won't wait for a traditional approval.
Use equity in commercial or residential property to fund business operations, growth, or short-term cash flow needs.
Cover a gap between settlement on a new asset and the sale or refinance of another - without impacting the existing mortgage.
Submit your scenario for assessment or speak with our team about releasing equity from your property.
Funding solutions designed for property developers, investors, and business owners across Australia.
