Equity Release Loans for Australian Business Owners & Brokers
Fast, short-term finance to tap into property equity to fund your Business Growth
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Is an Equity Release Loan?
Equity refers to the difference between the current market value of a property and any mortgage balance secured against it. An equity release loan lets you unlock that value as liquid capital for your business without selling or refinancing with traditional banks. Where suitable, an equity release loan can be structured as a second mortgage, allowing you to access your property's equity while keeping your existing first mortgage in place.
Use equity release funds for:
- Working capital or cash flow needs
- Purchasing equipment or inventory
- Paying suppliers or tax debts
- Business expansion or strategic investments
- Refinancing existing higher-cost debt
This makes equity release an effective solution for asset-rich but cash-short businesses that need fast access to funding.
Why Choose Private Mortgages Australia?
We provide short-term, flexible property-backed loans designed for Australian business needs, especially when traditional bank lending doesn’t fit your timeline or criteria.
Who Is This Loan For?
For Australian Business Owners
This solution may suit you if you are:
- Have significant property equity
- Need capital quickly without lengthy bank processes
- Are growing, restructuring, or managing cash flow
- Want to retain full business ownership
For Commercial Finance Brokers
Equity release is a valuable financing solution to offer your SME clients when:
- Traditional bank lending is unavailable
- Clients require short-term capital backed by property
- You need fast, flexible lending outcomes
This dual-audience approach helps your page serve both direct borrowers and brokers without conflicting signals, increasing overall SEO relevance.
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the borrower.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Refinance & Equity Release
Background
Experienced property developers needed to access equity from a residential asset to fund Development Application (DA) costs and enhance the property’s sale value. Traditional banks were unable to assist due to borrower age and income structure constraints, creating an urgent funding gap.
The Solution
PMA delivered a fast-track refinancing solution, providing a $400,000 first mortgage that refinanced existing debt and released trapped equity. The flexible structure and streamlined approval process allowed the borrowers to move forward quickly and progress their development plans without delays.
Exit Strategy
Once the DA was approved and the property value uplift achieved, the borrowers planned to sell the asset, using the proceeds to fully repay the loan.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
Over the last 6 years that I have referred clients to PMA, it has been an absolute pleasure. The time it takes to assess files, then issue Offers, then take each file through to Settlement has been nothing short of great. It is very pleasing that once a quote is obtained from PMA, there are never any surprises in their Loan Approval letters which makes it easier to manage clients expectations....
Don Fleming - Mortgage Broker
2021-02-02 05:53:28
★ ★ ★ ★ ★
Private Mortgages Australia were able to offer me a loan solution which complemented my property and individual circumstances perfectly. The professionalism of staff and the simplicity of the process have been a breath of fresh air compared to other lenders. I would not hesitate using the PMA services in future and thoroughly recommend this company to anyone looking for a quick but robust short term finance solution for business investment....
Donna Cameron - Borrower, Canberra
2020-02-03 03:31:19
★ ★ ★ ★ ★
My experience with Brendan and Orlando is in the top order and their professionalism combined with their personal contact is a pleasure to be involved in and I won't hesitate doing business with them in the future. Thank you to everyone in Private Mortgages that has assisted in anyway....
Pat - Noosaville, QLD
2026-02-24 17:47:07
★ ★ ★ ★ ★
Our sincerest gratitude to Peter, Shanta, Gerry and the team at Private Mortgages Australia. Their financing solutions have enabled us and our business Kullcorp Precast to continue development of our world first Low Carbon Concrete (LCC) precast concrete panel business here in Moss Vale, NSW....
Geoff Kull - Repeat Borrower
2021-04-06 04:57:06
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
