Home Equity Loan

Borrow against your property equity with a home equity loan from Funding.
Apply and get same-day conditional approval – settlement is possible in just 48 hours!

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Home Equity Loan

Renovate your property, pay off your mortgage, make a downpayment for your new home, or pay for any other bills you may have by getting a home equity loan. Don’t settle for the slow, manual processes that banks have for their short-term property loans; choose a fast and flexible lender like Funding. 

Funding is not like a traditional equity loan lender; we use cutting-edge technology to make borrowing against equity easy and accessible anywhere you are. We are a leading mortgage marketplace in Australia where borrowers can get the right solution for their unique needs. Our bank-level encryption and security ensure the safety of your information on the platform. 

To get the best experience possible when borrowing against home equity, here are some essential considerations about a home equity loan. 


How to calculate equity in a home in Australia?

The total loan amount you can borrow from a home equity loan depends on your property equity, so it is important to know how much you have. If you’re wondering how to calculate home equity, it is simple: just subtract the outstanding balance of your home loan from the current market value of the property. When calculating equity, take note that the value can fluctuate depending on the market. 

If you have good real estate security or property equity, you are welcome to apply for short-term property loans at Funding. Whether you are an individual, company, or trust, you can borrow a home or commercial property loan for whatever reason, whether for personal or business purposes. Residential, commercial, and vacant land properties in Australia are all accepted as securities for a loan. The average loan-to-value ratio (LVR) at Funding is 65% to 70% of your property value.


What are the requirements when apply for a home equity loan?

One of the common questions people ask when considering a home equity loan is ‘how do I get a home equity loan?’ There are requirements that you need to meet to be eligible for a loan. In Australia, you need to be at least eighteen years old and a citizen or permanent resident to get a loan. 

Your lender may also ask you to supply documents showing your ownership over your property and how much property equity you have. Be prepared to supply personal documents, such as official IDs, and financial statements, like income statements, payslips, and bank certifications to prove your ability to repay the loan. 

Getting started with your loan application at Funding is easy, and you will receive a full list of requirements to submit during the application process. On our platform, you will find our Express Quote form; fill it in to receive same-day conditional approval. Once your application has been processed and formally approved, you can sign the loan documents. Our streamlined process makes settlement possible in as little as 48 hours. 


Can I pay off my equity loan early?

Whether you are getting a home equity loan, short-term bridging loan, or other types of short-term business loans, you may want to settle your loan earlier than the end of the loan term. You may pay back your home equity loan early, and depending on your lender, there may be additional fees associated with early loan repayment. That’s why it’s crucial to choose a lender that is always upfront with their pricing. 

When you get an obligation-free conditional approval at Funding, you will also receive an outline of your applicable rates and fees. Our pricing is always fair and transparent and we offer interest rates and bridging finance rates that are tailored to your specific loan situation. 

Loan terms at Funding range from one to thirty-six months, depending on your loan amount, type of property, and desired finance solution. Funding provides dedicated support for everyone; you may speak with our representatives online or over the phone for any enquiries you have. You will have peace of mind knowing that a real person is ready to assist you at any point of your Funding loan journey. 

Looking for a home equity loan on the internet can be overwhelming, and it can be even more discouraging when you come across lenders with lengthy processes and slow approval times that require tons of paperwork. 

Funding takes a common sense approach to loan approvals, enabling two-hour approvals and settlement within days, not weeks, so you can handle more clients and grow your income. With us, submitting your loan scenario is as easy as a few clicks; simply complete our online accreditation form, which you can complete in two minutes, and secure funding in as little as a few days.

We’ve rapidly grown to become Australia’s leading mortgage marketplace, efficiently navigating through the changing tides of the finance industry to be your preferred lender.
Whether you are looking for a home equity loan, renovation loan, or bridging loan, Funding makes the process fast, simple, and easy. Request your custom loan quote at Funding today and get an unbeatable customer experience as we reinvent property finance through technology!

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days 3-5 days settlement can be arranged.

Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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