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Asset-secured business loans in Melbourne
In Melbourne, what shapes an asset-secured loan is the security and its sub-market, not the borrower's postcode. Industrial in the western and south-eastern corridors values firmly and sells into a deep owner-occupier pool; prime CBD and city-fringe office holds, while secondary office is read more conservatively. Title is held by Land Use Victoria under the Transfer of Land Act 1958.
Servicing Melbourne and surrounds.
Raise capital against your Melbourne property.
The amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction. Reply to it and they’ll be in touch.
- No cost and no obligation. An enquiry is not a commitment to anything.
- We match you with a funder and email you their introduction. Reply to it and they take it from there.
- Your details stay with us until you reply to the introduction.
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In Melbourne the question is rarely whether a company or trust can raise capital against its property - it is how the specific asset, in its specific sub-market, supports a valuation and a clean exit. That is what sets the amount, the term and the indicative rate. The figures here are representative and subject to assessment.
How Melbourne’s market shapes the security
Industrial is the firmest security in the city. The western corridor - Truganina, Derrimut, Laverton North, Altona - is Australia’s primary logistics market, port-linked and reinforced by the West Gate Tunnel, while the south-eastern corridor around Dandenong, Clayton and Moorabbin is the tightest established sub-market. A 2024-25 wave of speculative supply lifted vacancy across these precincts, but the pipeline is slowing through 2026 and owner-occupier demand has stayed consistent. Serviceable industrial land is genuinely scarce, which underpins values and gives this stock a deep buyer pool - both of which support a stronger LVR and a faster exit.
Office is a split market. Melbourne’s CBD carries the highest headline vacancy in the country, but that number hides a sharp divide: prime and premium towers hold on flight-to-quality, and the city fringe - Cremorne, Richmond, Collingwood - is leasing and growing rents ahead of the CBD. Secondary office and the greenfield outer fringe are softer; still fundable, but valued more conservatively and with the exit checked harder. Victorian state-tax settings, including the absentee owner surcharge, weigh on offshore investor demand, so we read the buyer pool for an asset realistically rather than on headline yields.
Where the loan is registered
Security over Melbourne property is lodged through Land Use Victoria, the state’s Torrens register, under the Transfer of Land Act 1958 (Vic). A caveat is lodged under section 89; a second mortgage is registered behind your existing facility, with the first-mortgage holder’s position confirmed upfront. Victoria moved early to mandatory electronic conveyancing, so caveats, mortgages and discharges run through an electronic lodgement network - PEXA or Sympli - and electronic settlement need not be slow.
One Melbourne-specific check: under the commercial and industrial property tax reform, a buyer who took the Treasury Corporation of Victoria transition loan for their final stamp duty has a first-ranking statutory charge sitting on title. We confirm that, and any prior security, before structuring.
What we’ll need
The security details, a rough idea of the numbers, and the exit - a sale, a refinance, or incoming funds. From there the funder confirms the position against title and comes back to you. It is a light process by design.
- Victorian companies or trusts holding Melbourne property with a clear exit
- Owner-occupiers of industrial stock in the western or south-eastern corridors
- Time-sensitive needs a bank can't meet on a Melbourne asset
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without a realistic repayment or refinance exit
- Thin secondary security with no evidence of a sale path
Sounds like your situation?
Tell us the amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction.
How it compares
FAQ
Do you fund against industrial property in Melbourne's west?
Yes. The western corridor - Truganina, Derrimut, Laverton North, Altona - is Australia's primary logistics market, and owner-occupier-grade stock there has a deep buyer pool that supports both valuation and a clean exit.
Where is the security registered in Victoria?
Through Land Use Victoria, the state's Torrens register, under the Transfer of Land Act 1958. A caveat is lodged under section 89; a second mortgage is registered behind your existing facility. Both go through an electronic lodgement network - PEXA or Sympli.
How does Melbourne's CBD office vacancy affect what I can borrow?
The headline vacancy figure masks a split market. Prime and city-fringe assets - Cremorne, Richmond, Collingwood - are treated very differently to secondary CBD stock, so the indicative LVR follows the precinct and the asset, not the headline.
Can a Victorian property-tax transition loan affect my security?
It can. Where a buyer used the government transition loan under the commercial and industrial property tax reform, Treasury Corporation of Victoria holds a first-ranking statutory charge on title. We confirm the title position before structuring.
Raise capital against your Melbourne property.
No cost, no obligation. The form is back up the page and takes two minutes.