Private Mortgage Lender for Commercial Property Equity Release

Commercial property equity release unlocks capital that is sitting in an asset without requiring the owner to sell. Banks can release equity from commercial property, but the process takes weeks, requires full serviceability assessment against the whole loan portfolio, and often hits policy restrictions on the amount that can be released or the purpose the funds can be used for. Private lenders assess the security value and the exit; the capital release can settle within days.

Who This Is For

• •Business owners and investors with significant equity in commercial property who need to access capital quickly
• •Property investors recycling equity from a completed or held commercial asset into a new acquisition
• •Business owners releasing working capital from commercial premises they own, without selling the property
• •Borrowers whose bank has declined an equity release or is taking too long to assess one
• •Borrowers needing a fast equity release to fund a time-sensitive business or investment decision
• •Available to Pty Ltd companies and family trusts — not available to individuals in personal name or for residential property or consumer lending

How We Assess Equity Release from Commercial Property

Our assessment starts with the current market value of the commercial property, determined by our in-house valuers. We calculate the available equity based on the existing mortgage balance and assess the new loan at up to 70% of the total property value. The new loan can be structured as a first mortgage (if the property is unencumbered or the existing mortgage is being refinanced) or as a second mortgage behind an existing first mortgage lender.

The purpose of the equity release is assessed for legitimacy at a high level. We lend for business and investment purposes: acquiring another asset, funding working capital, settling a tax liability, funding a business purchase, or other commercial uses. The exit strategy is assessed alongside the release amount. Typical exits are refinance to a long-term facility once the purpose has been achieved, or sale of the commercial property.

Submit your scenario with the commercial property details, the existing mortgage amount, the equity release amount required, and the intended use. Same-day indicative response. Letter of offer within 24 hours of agreed terms. Settlement from 24 to 72 hours for clean deals.

Three Equity Release Scenarios We Have Recently Helped

A Pty Ltd company owned a freehold industrial property with a small residual mortgage. The company had identified a business acquisition opportunity that required a deposit within 10 days. Its bank could not assess an equity release within that timeframe. We assessed the industrial property, calculated the available equity, and provided a first mortgage releasing $1.6 million within 4 business days. The company completed its business acquisition.

A family trust held two commercial properties: one with a bank first mortgage and one unencumbered. The trust needed to release equity from the unencumbered property quickly to fund a commercial land acquisition. We provided a first mortgage on the unencumbered property at 65% LVR. The trust completed its acquisition. The exit was refinance to a long-term commercial facility once the land purchase settled and the trust could present the consolidated portfolio. Loan: $2.2 million.

A Pty Ltd company had a commercial office building with a bank first mortgage at 42% LVR. The company needed $800,000 for working capital while waiting on a large debtor to pay. The bank declined the equity release citing the working capital purpose. We provided a second mortgage behind the bank. Loan: $800,000, 6-month term. The debtor paid within 4 months and the second mortgage was discharged early.

Speed and Process Advantage

Equity release from commercial property is one of the clearest cases where private lending speed creates real value. The capital sitting in a commercial asset is not useful until it can be accessed, and bank timelines make access slow. We provide an indicative position the same day, a letter of offer within 24 hours of agreed terms, and settlement from 24 to 72 hours for clean deals. For borrowers with a time-sensitive purpose for the released equity, this speed changes the outcome.

"Releasing equity from commercial property is one of the most effective tools in a property investor's or business owner's capital strategy, and private lending makes it faster than most people expect. The assessment is centred on the asset and the existing mortgage position rather than a full serviceability review of the borrower's entire loan book. When the numbers work at the asset level, equity can typically be released within 48 to 72 hours."

Gino Tabila

Associate Director

Benefits of Using a Private Mortgage Lender for Commercial Property Equity Release

Equity release from commercial property through a private mortgage lender is faster, more flexible, and less disruptive than a bank refinance. The loan accesses only the equity needed, leaves the existing asset structure intact, and can settle within days of an approved enquiry.

• •Access equity in 24 to 72 hours — no 6 to 12 week bank processing timeline
• •No need to sell the property or exit a working first mortgage to access equity
• •Second mortgage option available — sits behind existing bank facility without disturbing it
• •Use proceeds for any legitimate business purpose: acquisitions, working capital, tax liabilities
• •Short terms from 1 to 24 months — repaid when the funded opportunity matures

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