Security
Loans against residential property
Lienhouse arranges capital secured against residential property held by a company or trust for a business purpose - the deepest, most liquid security there is, so it tends to be assessed favourably and can settle in days. The loan sits as a first mortgage, or behind your existing one to release equity, judged on the property and a clear exit rather than full financials.
Raise capital against your 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 residential property works
Residential property held by your company or trust can secure a loan two ways. It can sit as a first mortgage when you are buying or refinancing the asset, or it can sit behind an existing mortgage - a registered second mortgage, or a faster caveat loan where the timeframe is tight - to release equity without touching your first facility.
The file is judged on the property and a clear exit, not on lodged financials and historical serviceability. That is what settles it in days where a bank on the same purpose runs weeks. Where a mortgage already sits on title, the constraint is the combined position across both loans - measured on the gross balance, including capitalised interest and fees, not just the cash you receive.
Why residential is assessed favourably - and the one line that gates it
Standard residential property in a metro area is the deepest, most liquid security there is. A clear resale market means the equity can be relied on, so this class is assessed more favourably and supports a higher advance than commercial, land or rural security. Representative rates, terms and combined-LVR ceilings are set out on the rates and fees page, and every figure is subject to assessment.
One line gates the whole thing: the borrowing must be for a genuine business purpose, held by a company or trust. On that basis it sits outside the consumer-credit rules, confirmed by a business purpose declaration. It is never a way to fund a consumer or owner-occupier home loan, and a purpose that is genuinely personal, domestic or household is not a fit here.
What we’ll need to start
Four details get you an indicative answer: the property and its title, any existing mortgage and its balance, the amount and the business purpose, and the exit - a sale, a refinance, or an income event. From there, indicative terms come back from the funder within 24 to 48 hours of your reply and a clean file can settle in days.
The honest part holds throughout: a property with no real equity, no realistic exit, or a purpose that is genuinely personal is not one we will fund, and we will say so early. Where it fits, you can enquire.
- Companies or trusts holding residential property for a business purpose, with equity and a clear exit
- Borrowers releasing equity behind an existing mortgage without refinancing it
- Time-sensitive needs a bank cannot meet inside the timeframe
- Owner-occupiers and consumer borrowers - this is business-purpose lending only
- Anyone without real equity in the property or a realistic repayment, sale or refinance exit
- A purpose that is genuinely personal, domestic or household, which is regulated and not a fit here
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
Can a company or trust borrow against a residential property?
Yes. Where the borrowing is for a genuine business purpose and the property is held by a company or trust, capital can be raised against it. Residential is the deepest resale market, so it tends to be assessed favourably.
Is this a home loan?
No. This is business-purpose lending, never consumer or owner-occupier home lending. A business-purpose declaration confirms the basis before anything proceeds.
Can I borrow behind my existing mortgage?
Yes. A second mortgage or a faster caveat can release equity without refinancing your existing mortgage. The combined position across both is the real constraint, and first-mortgage consent is sometimes needed.
How much can I raise?
Up to around 75% combined on standard metro residential, lower on less-liquid or regional security. Figures are representative and subject to assessment - see the rates page for the current ranges.
How fast can it settle?
Often within days on a clean file, once we have the security details and a clear exit. A bank on the same purpose usually runs weeks.
Raise capital against your property.
No cost, no obligation. The form is back up the page and takes two minutes.