A defined commercial use
A clear, documented business purpose for the funds — not open-ended drawdown or personal and household spending.
BUSINESS EQUITY RELEASE
Give your equity a purpose.
Equity you have built can fund a defined business need. The proposed approach starts with the purpose and the income behind it, not the amount of equity alone.
WHAT EQUITY RELEASE WOULD CONSIDER
Verified servicing
Existing income shown in current financial records that supports the higher repayments the additional borrowing creates.
Completed security
A completed, marketable property held as security, rather than land, a development site or work still in progress.
The effect of more debt
How increasing the loan changes leverage, repayments and the equity buffer that remains after the transaction.
PROPOSED STARTING CRITERIA (NOT LENDER APPROVAL)
- 01Substantial equity retained after the proposed borrowing
- 02Core target leverage of 50–55%, with a proposed 60% outer ceiling
- 03A documented business purpose for the funds released
- 04Existing income to support the increased repayments, evidenced by records
- 05A first-mortgage position over completed, marketable security
Releasing equity increases the debt secured against your property. More borrowing means higher repayments and a smaller equity buffer — trade-offs a full assessment would set out before anything proceeds.