Security
Loans against industrial property
Industrial property - a factory, warehouse or logistics unit held by your company or trust - is among the most readily funded security in the market. Lienhouse arranges capital secured against it for a business purpose, assessed on the asset and a clear exit rather than full financials.
Raise capital against your industrial 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.
Enquire
Send an enquiry
Takes two minutes.
How lending against industrial property works
Industrial property can secure capital two ways. As a senior first mortgage - or a private commercial mortgage for an outright first-ranking position - when your company or trust is buying or refinancing the premises. Or behind an existing mortgage, releasing equity through a second mortgage or a faster caveat loan without disturbing your first facility. Either way the file is judged on the property and a credible exit, not on lodged financials, which is what lets it settle in days where a bank runs weeks. Where a mortgage already sits on title, the combined LVR - measured on the gross balance, including capitalised interest and fees - is the real constraint. Representative ranges sit on the rates and fees page, and every figure is subject to assessment.
Why industrial is funded most favourably - and what moves the advance
Industrial is the asset the funding market likes most. National vacancy sits near historic lows, well-located stock re-lets quickly, and the buyer pool is deep - so the security carries less re-letting and resale risk than office, retail or specialised property, and supports a higher advance. The position within the class still moves the cap. A modern, well-located logistics or warehouse asset sits at the strongest end, with prime owner-occupier stock reaching toward ~80%. A standard industrial unit funds steadily, with the lease tail and tenant covenant setting where the advance lands. A highly specialised or single-use shed - heavy fit-out, one likely occupier - is read more conservatively, because what matters on default is how easily it converts to another use. Owner-occupied premises generally read more favourably than investment-held.
What we’ll need to start
Four things move it forward: the property - type, location and any lease; your existing mortgage and its balance; the amount and the business purpose; and the exit. That is enough for indicative terms from the funder within 24 to 48 hours of your reply, with settlement in days on a clean position. The borrowing must be a genuine business purpose held by a company or trust. An asset with no real equity, no realistic sale or refinance exit, or a genuinely specialised building with no resale path is not a fit - and we will say so early. When you’re ready, tell us what you need.
- Companies and trusts buying or refinancing industrial premises for a business purpose
- Owner-occupiers in a factory, warehouse or logistics unit with real equity
- Borrowers releasing equity behind an existing mortgage on industrial property
- Time-sensitive needs a bank can't settle in time
- Owner-occupier consumer borrowers - this is business-purpose lending only
- Anyone without real equity or a realistic repayment, sale or refinance exit
- A highly specialised, single-use asset with no leasing or 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
What LVR can I borrow against industrial property?
Prime owner-occupier industrial can reach toward ~80%, with standard, investment-held, older or specialised security sitting lower. Where a mortgage already sits on title, the combined LVR is the constraint. All figures are representative and subject to assessment.
Why is industrial assessed more favourably than other commercial property?
Vacancy sits near historic lows, well-located stock re-lets quickly, and the buyer pool is deep - so the security carries less re-letting and resale risk than office, retail or specialised property, and supports a higher advance.
Can you arrange capital behind an existing mortgage on industrial property?
Yes - a second mortgage or a caveat loan can sit behind your current facility to release equity without refinancing it. The combined LVR is the constraint, and the holder of the first mortgage may need to agree a priority arrangement.
What's the rate on an industrial property loan?
It tracks the instrument. A senior position is quoted per annum; a facility behind an existing mortgage is quoted per month. Representative ranges sit on the rates and fees page, every figure subject to assessment.
How fast can it settle?
Often within days. Indicative terms come back from the funder within 24 to 48 hours of your reply once they have the property, the existing debt, the amount and the exit - and a clean position can settle where a bank would still be weeks away.
Raise capital against your industrial property.
No cost, no obligation. The form is back up the page and takes two minutes.