Release Your Property Equity
Unlock the equity in your property with fast equity loans. Approved in 24 hours with urgent settlement available.
At NWF Capital, we help property owners release the equity they've built up in their homes or investment properties. Equity loans provide a flexible way to access funds for business investment, property purchases, renovations, or other financial needs. Our quick approval process means you can access your equity fast.
Release equity from your existing property
Fast approval and funding process
Flexible use of funds for any purpose
Competitive interest rates
Minimal paperwork and documentation
Urgent settlement available
We assess your property equity value
Receive a competitive quote for equity release
Quick approval decision within 24 hours
Finalise the loan terms and conditions
Fast settlement of funds once approved
Release the equity in your property to fund new opportunities.
Use the funds for any purpose - investment, business, or personal needs.
Fast approval and funding so you can access your equity quickly.
An equity loan allows you to borrow against the equity you've built up in your property, giving you access to funds for any purpose.
The amount depends on the value of your property and how much equity you've built. We can provide a quote based on your property value.
Equity loans are flexible and can be used for business investment, property purchase, debt consolidation, renovations, or any other purpose.
Once approved, settlement is prioritised so you get fast access to your equity.
Structure
An equity release lets you draw on the value you hold in a property without selling it. Depending on your position, that can be structured as a first mortgage where the property is unencumbered or the existing facility is being refinanced, or as a second mortgage behind a bank loan you want to keep in place.
The amount available is the difference between the property value and the debt already secured against it, within a sensible loan-to-value ratio. Facilities run on interest-only terms with interest capitalised where cash flow is tight, and are repaid from a sale, a refinance, or another defined event.
Funds released are for business and investment purposes — expansion, acquisitions, working capital, tax liabilities, deposits on further property, or funding a project.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Use Cases
Funding a deposit on a further property purchase before an existing asset is sold. Injecting working capital into a business during a growth phase or a difficult period. Clearing tax debt before it escalates. Funding a development or renovation. Buying out a partner or funding a business acquisition.
Equity release is frequently the cheapest capital available to a business owner who holds property, because it is secured against a real asset rather than priced off trading performance. Where the alternative is unsecured business lending or a merchant cash advance, the difference in cost is usually substantial.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
It depends on your property's value and the debt already secured against it. As a guide we lend up to around 75% on a first mortgage position and up to around 80% combined where we sit behind an existing lender.
No. Where you want to keep an existing bank facility in place, the release can be structured as a second mortgage behind it, leaving your current loan untouched.
Business and investment purposes, including working capital, acquisitions, tax liabilities, property deposits, development costs and expansion.
Generally no. The assessment focuses on the equity in the property and how the facility will be repaid rather than on servicing calculations.
From a defined exit — typically a refinance to a mainstream lender, the sale of a property, or a specific cash event. Interest can be capitalised so there are no repayments during the term.
Yes. Owner-occupied, investment, commercial and industrial property are all considered, held personally or through a company or trust.
Fill out our simple application form and we'll have a decision for you within 24 hours.