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Home Equity Release Loans in Australia – Business & Investment Use Only

Unlock Capital from Your Property for Business & Investment

If you're an Australian property owner looking to access equity tied up in your home for business or investment purposes, a home equity release loan through Innovate Funding may be the ideal solution. We offer non-consumer loans from $50K to $20M, backed by residential, commercial, or rural property.

These loans are structured for borrowers who require quick access to capital without bank red tape ideal for developers, business owners, investors, and SMSF trustees.

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Learn more about Secured Business Loans | No Doc Loans

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What Are Home Equity Release Loans for Business Use?

Home equity release loans are private loans that allow you to unlock equity from a property you own without refinancing your existing mortgage. Unlike traditional consumer loans, these loans are designed for commercial, business, or investment purposes.

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You can use the released equity as working capital, to acquire another property, pay off business debt, or fund construction or development, all without going through a traditional bank.

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Benefits of Business-Purpose Equity Release Loans​

No Financials or Credit Checks Required

  • Fast Access to Funds; Typically Settled Within a week

  • Keep Your Existing Mortgage Intact

  • Flexible Terms; 1 to 12 months

  • Low Doc or No Doc Options Available

  • Use Equity Without Selling or Refinancing

Common Use Cases

Our clients use home equity release loans for:

  • Business Expansion – Launch a new location, acquire stock, or invest in marketing

  • Debt Consolidation – Clear business credit lines or ATO liabilities

  • Property Development – Fund working capital, land acquisition, or DA costs

  • Bridging Finance – Purchase another asset while awaiting other settlements

  • Cash Flow Injection – Smooth business operations during high-growth periods

These loans cannot be used for personal, household, or domestic expenses

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How It Works

  1. Initial Enquiry – Share your scenario and equity position

  2. Asset & Loan Assessment – We evaluate your property’s current value and ownership structure

  3. Indicative Offer Issued – Tailored to your business needs

  4. Minimal Docs Submitted – Basic ID, title details, and council rates notice

  5. Fast Settlement – Often within 24–48 hours of valuation

Related: Second Mortgages | Caveat Loans

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Why Choose Innovate Funding?

  • Private, Flexible Loan Terms – Customised to your funding timeline

  • Non consumer lending Lending Experts – Structured for business and commercial borrowers

  • Rapid Turnaround – Approvals and settlements within days, not weeks

  • Competitive Rates – Starting from 8.75% for first mortgages

  • Australia-Wide Lending – Urban, regional, and rural properties eligible

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Frequently Asked Questions

Can I use this loan for personal needs?

  • No. These loans are only suitable for business, investment, or commercial purposes.

Is this a reverse mortgage?

  • No. These are short-term private loans for active borrowers using their property as security.

Do I need to refinance my current mortgage?

  • No. These loans can sit behind your existing facility.

What documents do I need?

  • Basic ID, ownership evidence, and council rates notice, no financials required.

What types of properties are accepted?

  • Residential (owner or non-owner occupied), commercial, and rural.

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Start Unlocking Equity Today

At Innovate Funding, we help Australian borrowers leverage equity for business success. Whether you're expanding, consolidating debt, or acquiring a new asset, our non-consumer equity release loans give you fast, compliant access to capital.

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Call 02 8919 3639 or enquire now to speak with our team about business-purpose equity loans.

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