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How much can I borrow against my property?

To increase your borrowing power, many small business loans are secured by an asset – usually property. The amount of equity available in the property helps to determine how much you can borrow.


Equity is the difference between what you owe if you have a mortgage on the property and what the property is currently worth. You can estimate your equity by subtracting what you owe on your mortgage from the amount your property is currently worth.

Current property value – amount you owe = equity

Your borrowing power

Generally, we'll lend you up to:

  • 80% of a residential property value
  • 65% of a commercial property value
  • 70% of a rural property value

What if you want to sell the property?

You can still sell the property you’re using to secure your business loan if you want to during the loan term. You’ll need to notify us first so that we can let you know what we require and when, to allow the sale to proceed smoothly. Learn more about selling the property you’re using to secure a business loan.

Don’t feel comfortable using your property as security? Learn about other assets you can use to secure a business loan.

Things you should know

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek professional advice.