Property Finance
Unlock equity in property for your next business move.
Turn the equity sitting in property into working capital for a business purpose — placed across our panel, not your home loan.
Put your property equity to work.
You've built equity in property — now you need it doing something. We arrange business-purpose equity release and place it with the right funder from our panel of 50+ non-bank and private lenders, so capital tied up in bricks can fund your next move.
This is not a consumer reverse mortgage and it is not for personal spending. Equity release here means raising funds against property you own — commercial, investment or development security — for a genuine business purpose: working capital, a deposit on the next deal, a tax bill, or expansion. An ABN/ACN and a clear business use are required.
Where a bank sees a long re-approval, we see a fast second-look. We structure the release around the asset and your exit, give you an indicative answer within 24 hours, and place it with a lender comfortable releasing equity at the LVR you need.
Why arrange equity release through X Private.
Built for business borrowers
Funds raised against property for a genuine business use — working capital, the next deal, tax or growth.
Up to 90% LVR
Release more of your equity than the banks typically allow, assessed on the asset and your exit.
1st or 2nd position
Release equity as a fresh 1st mortgage, or sit a 2nd behind your existing loan to leave it untouched.
Fast access to capital
Indicative answer in 24 hours and settlement in days — capital when the opportunity is live, not weeks later.
Keep your existing loan
A second-position release means you don't disturb a good first-mortgage rate to access cash.
Lenders that say yes
Complex income or a tight timeframe — we place releases the banks move too slowly to do.
What the released equity funds.
Equity release is a means to a business end. Borrowers use it for:
- Working capital for an operating business
- A deposit or contribution on the next purchase
- Funding a development or construction project
- Clearing ATO or supplier debt
- Buying out a business partner
- Bridging a short-term cashflow gap
- Stock, equipment or expansion costs
- Releasing a deposit while a sale completes
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
No. This is not a consumer reverse mortgage. It's a business-purpose facility that raises funds against property you own — commercial, investment or development — for a genuine business use, with a clear repayment or refinance exit. An ABN and business purpose are required.
We're a specialist property finance brokerage: we place the equity release with the most suitable funder from our panel of 50+ non-bank and private lenders.
Only where it's genuinely for a business purpose and structured as business-purpose lending — never as a consumer or owner-occupied home loan. If the use is personal, we're not the right fit and we'll say so.
Yes. We can arrange a second-position release that sits behind your current loan, so you access equity without disturbing a good first-mortgage rate. A fresh first mortgage is also an option.
Through our panel we can typically arrange up to around 90% LVR across the security, depending on the property, position and your exit. We'll give you a realistic figure within 24 hours.