Locations
Business loans in Perth
In Perth, what shapes an asset-secured loan is the property behind it and how its local market values and clears - not the borrower's postcode. Industrial here is the firmest security in the country, supply is structurally tight, and well-located stock clears into a deep buyer pool, all of which supports valuation and a clean exit. Eligibility is the same as anywhere in Australia; the security is what changes.
Servicing Perth and surrounds.
Raise capital against your Perth 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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Send an enquiry
Takes two minutes.
How Perth’s market shapes the security
Industrial is the strongest security in the city and, on current conditions, the tightest market in the country. Serviceable, well-located land is genuinely scarce - the eastern freight corridor around Welshpool, Kewdale and Belmont sits close to the port and the road network, vacancy across the metro stays low, and good stock clears into a deep buyer pool. That combination supports valuation and gives a clean exit, which is what an asset-secured loan turns on. The Perth-specific read is commodity exposure: occupier demand here is tied to resources, mining services and population growth, so the asset is assessed on its cycle as well as its location.
Office is a split market. Prime and premium CBD towers hold on flight-to-quality, while secondary office and the western fringe - West Perth, Subiaco - carry higher vacancy, still fundable but valued more conservatively, with the exit checked harder. Residential held by a company or trust for a business purpose is read on the same security-first basis.
Where the loan is registered
Security is lodged through Landgate, Western Australia’s Torrens register, under the Transfer of Land Act 1893 (WA): a caveat on title, or a second mortgage registered behind the existing facility. WA has moved fully to electronic conveyancing, so eligible caveats, mortgages and discharges are lodged through an electronic network - PEXA or Sympli - and an interstate matter need not be slower than a local one.
One WA-specific point is worth flagging up front. Duplicate paper certificates of title were abolished in Western Australia from August 2023, and the original title held by Landgate is now the single source of truth for what sits against a property. So the security turns on registering the instrument and reading the current Landgate title search - not on holding any paper document - and we confirm the title position, and where a caveat or second mortgage sits behind your existing first-mortgage holder, before anything is structured.
What we’ll need
The property and its title, a rough sense of the numbers - what you owe, what you want to raise, the current value - and the exit, whether that is a sale, a refinance, or funds coming in. Indicative figures on this page are representative and subject to assessment. If the structure does not suit - there is no realistic exit, or the borrowing is consumer rather than business purpose - we will say so plainly, and point you to your accountant or solicitor.
- Companies or trusts holding Perth or WA property with equity and a clear exit
- Borrowers whose security is well-located industrial or prime commercial property
- Time-sensitive business needs a bank can't meet in the window
- Owner-occupier consumer borrowers (business-purpose lending only)
- Anyone without a realistic repayment or refinance exit
- Security that can't be valued or cleared - no buyer pool, or a contested title
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
Does Lienhouse fund against property in Perth?
Yes. We arrange asset-secured business funding against property across Perth and Western Australia, for companies and trusts borrowing for a business purpose. The security and its local market are what we assess; the eligibility rules are the same as anywhere in Australia.
What kind of Perth property works best as security?
Well-located industrial is the strongest, given how tightly the market is supplied and how readily good stock sells. Prime commercial holds well; secondary office and fringe stock are funded more conservatively. Residential held by a company or trust for a business purpose is also considered.
Can you register a caveat or second mortgage in Western Australia?
Yes. Both are available in WA, lodged through Landgate under the Transfer of Land Act 1893 and registered electronically. We confirm where the security sits behind your existing first-mortgage holder before anything is structured.
How fast can a Perth deal settle?
Often within days once we have the title, the security details and a clear exit. Electronic lodgement through Landgate means a Perth matter need not be slower than one on the eastern seaboard. Timeframes are indicative and subject to assessment.
Raise capital against your Perth property.
No cost, no obligation. The form is back up the page and takes two minutes.