If you’re looking to unlock the value tied up in your property, a secured loan for equity release can be a practical, fast, and flexible solution. Whether you’re managing a cash flow gap, facing an urgent settlement, or seizing a time-sensitive opportunity, equity release through a secured loan gives you access to funds without selling your asset. At Secured Lending, we’ve advised and assisted borrowers across Australia with equity release strategies, helping them move quickly and confidently when it matters most. Assess your scenario today.
What is a Secured Loan for Equity Release?
A secured loan for equity release allows you to borrow against the equity you’ve built up in your residential or commercial property. Equity is simply the difference between your property’s current market value and any outstanding mortgage or loan balances. By using your property as collateral, you can access a lump sum or line of credit, often with more favourable terms than unsecured lending.
This approach is especially useful if you want to:
- Fund business growth or expansion
- Cover a short-term cash flow gap
- Settle a property purchase or refinance quickly
- Renovate or upgrade your property
- Purchase stock or equipment for your business
The key benefit is speed and certainty. With a secured loan, you can often achieve same day settlement or funding within 24 hours, especially when working with a private lender like Secured Lending.
Why Consider Equity Release?
You’ve worked hard to build equity in your property. Rather than letting it sit idle, equity release lets you put that value to work. Here’s how it can help:
- Immediate access to capital: No need to wait for a property sale or lengthy bank approvals.
- Retain ownership: You keep your property while unlocking its value.
- Flexible use of funds: Use the money for business, investment, or personal needs.
- Competitive rates: Secured business loans typically offer lower rates than unsecured options.
- Fast turnaround: Ideal for urgent settlement or time-sensitive opportunities.
How Secured Lending Facilitates Fast Equity Release
Secured Lending specialises in urgent, short-term lending solutions. We understand that timing is critical—whether you’re bridging a gap between property settlements, funding a business opportunity, or managing a cash flow crunch. Our process is designed for speed and certainty:
- Simple application: We review your scenario and property details.
- Quick assessment: Our team confirms your available equity and structures the loan.
- Same day settlement: In many cases, we can arrange funding within 24 hours.
- Clear terms: No hidden fees or surprises—just straightforward lending.
We’ve facilitated over $500 million in loans for urgent settlement needs, helping business owners and investors across Australia move forward with confidence.
Bridging Loans: A Practical Equity Release Tool
Bridging loans are a common way to release equity quickly, especially when you’re buying a new property before selling your existing one. They provide short-term funding to cover the gap between transactions, ensuring you don’t miss out on a purchase due to timing issues. If you’re considering a business bridging loan, Secured Lending can help you:
- Secure your next property without waiting for your current one to sell
- Access funds for renovations or upgrades before listing your property
- Manage settlement deadlines with certainty
Our team coordinates the process from start to finish, so you can focus on your goals—not the paperwork.
The Role of a Private Lender in Equity Release
Working with a Private Lender in Australia offers distinct advantages when you need fast, flexible funding. As a non-bank commercial lender, Secured Lending operates nationwide—serving Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank lender, which means we’re not bound by the same rigid processes as traditional banks.
This allows us to:
- Assess your scenario on its merits, not just a credit score
- Offer tailored solutions, including second mortgage and caveat loans
- Move quickly, with same day settlement and funding within 24 hours
- Provide certainty, even for complex or urgent settlement needs
We only accept residential or commercial property as collateral, ensuring a straightforward and reliable process.
Benefits of Secured Loans for Equity Release
- Speed: Fast approvals and funding—often within 24 hours.
- Certainty: Clear terms and a dedicated team guiding you at every step.
- Flexibility: Use the funds for business, investment, or personal needs.
- Leverage: Unlock the value in your property without selling.
- Support: Experienced lending specialists who understand your goals.
How We Can Help
Secured Lending is here to help you unlock equity in your property with speed and confidence. We’ve provided strategic lending advice for equity release in the past and can help assess your scenario—whether you need a bridging loan, second mortgage, or another secured business loan. Our team specialises in urgent, short-term lending solutions, removing friction and reducing stress so you can move quickly and decisively.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
Frequently Asked Questions
1. How quickly can I access funds with a secured loan for equity release?
With Secured Lending, you can often achieve same day settlement or funding within 24 hours, depending on your scenario and property details.
2. What types of property can I use as collateral?
We accept residential and commercial properties as security for your loan. We do not accept other asset types.
3. Can I use a secured loan for any purpose?
Yes, once approved, you can use the funds for business, investment, or personal needs—such as cash flow, renovations, stock purchases, or equipment upgrades.
4. What’s the difference between a second mortgage and a caveat loan?
A second mortgage is registered behind your existing mortgage, while a caveat loan is a fast, short-term option secured by a caveat on your property title. Both can be used for equity release, depending on your needs.
5. Do I need to have perfect credit to qualify?
No. As a private lender, we assess your scenario based on the available equity and your exit strategy, not just your credit score. We focus on practical solutions for capable borrowers.
