Equity loans
Unlock the equity in your property.
Use the value in your residential or commercial property for renovations, investment, bridging, business funding and more, with bank and private lenders compared.
Equity loans in short
An equity loan lets you borrow against the value you have built up in residential or commercial property. MKS Lending compares bank, second-tier and private lenders to fund renovations, investment, bridging, business needs or ATO debts, with a clear plan for repayment.
How equity loans work
Put the value in your property to work.
Equity is the difference between what your property is worth and what you owe on it. An equity loan or equity release lets you borrow against that value for a personal or business purpose.
These loans are offered by banks, second-tier lenders and private lenders, and are secured by a mortgage over residential or commercial property. Individuals and companies use them for short, medium and longer-term needs.
Common uses
What clients use equity for.
- Renovations and extensions
- A deposit for an investment property
- Buying, refinancing or cash out on commercial property
- Bridging finance while you buy before you sell
- Short-term business funding and working capital
- Purchasing vacant land
- Paying out ATO debts
Bank or private lender?
Choosing the right source of funds.
Bank lenders
Lower rates and longer terms, with more documentation and longer approval times.
Second-tier lenders
More flexible policy for self-employed borrowers and complex income.
Private lenders
Fast, short-term funding when timing matters, at higher rates. Used with a clear exit plan.
Why MKS Lending
Since 1985, with bank and private lenders.
We have arranged equity release and business loans since 1985. With 30+ banks and 20+ private lenders on our panel, we can match the loan to your purpose, timing and exit strategy.
Business lending, handled by people who speak your language
Our team has arranged business, commercial and development finance since 1985, often working directly with your accountant and solicitor so the loan supports the bigger plan.
Client reviews
What our clients say.
Teo reviewed our home loan and got a better deal plus money to renovate our house.
Teo understands finance and made the loan process stress-free.
I've used Kris for two loans now and both experiences have been great. He's easy to deal with, communicates really well, and clearly knows his stuff. Highly recommend.
Free loan review
Talk about your equity
Tell us a little about your plans. A broker will call you, usually within one business day, to talk through your options. No cost and no obligation.
We listen first
A short chat about your goals, income and timing.
We compare 50+ lenders
30+ banks and 20+ private lenders, not just one bank's products.
You decide
We explain the options in plain English. There is no pressure to proceed.
Questions
Frequently asked questions
How much equity can I access?
Most lenders lend up to 80% of the property's value, less what you already owe, without LMI. Some go higher for owner-occupiers. Private lenders lend at lower ratios. A valuation confirms the figure.
Can I use equity for my business?
Yes. Equity in residential or commercial property is a common way to fund business needs, often at a lower rate than unsecured business finance.
What is bridging finance?
A short-term loan that lets you buy a new property before selling your current one. We compare bank bridging products with private short-term options.
Can you help me pay out an ATO debt?
Often, yes, using equity in property. Some lenders, particularly private lenders, will consider this. We explain the costs and the exit plan clearly.
Ready for a better home loan?
Book a free, no-obligation loan review. We compare the market and show you exactly what is possible.