Guides
Guides for owners borrowing against property
Practical, researched guides on the property side of business finance: what to check, what to gather and how each step works. New guides added regularly.
Property know-howBefore you borrowAfter settlement
Title Search Before Borrowing: What It Shows, How to Order
What a property title search shows, how to order one in each state, and the five findings that most often delay a second mortgage if nobody spots them early.
1 October 2026
Home Loan Statement Explained Before You Borrow Again
Balance, limit, redraw, offset, arrears and payout figures: how to read your home loan statement before borrowing against the property for your business.
1 October 2026
Usable Equity vs Paper Equity: What You Can Really Borrow
Paper equity is value minus debt. Usable equity is what a lender will actually lend against. How to work out both, and five ways to lift the usable figure.
1 October 2026
Co-Owned Property as Loan Security: Who Must Sign
Using a jointly owned property to secure a business loan: joint tenants vs tenants in common, who must sign, guarantees and handling the conversation.
1 October 2026
Paying Out a Second Mortgage: Payout Figures and Discharge
How to pay out a second mortgage: requesting a payout figure, what's in it, how sale and refinance settlements work, and how to confirm the title is clear.
1 October 2026
Sell or Borrow Against Property? A Business Owner's Guide
Should you sell an investment property or borrow against it to fund your business? Speed, costs, tax and timing compared, with a simple decision framework.
1 October 2026See what your property equity could fund
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