🔒 Confidential preview · prepared for Multifunds
SL SECURED LENDER ☎ 1300 634 256
Equity release, explained plainly

There is capital sitting in the property you already own. See how much.

Secured Lender arranges first mortgage, second mortgage and caveat finance against Australian property. Every application is introduced to Multifunds, a licensed private lender, and priced on the merits of the deal rather than a rate card.

Get my scenario answered See how it works

Secured Lender is an introducer. Applications are referred to and finance is provided by Multifunds Pty Ltd, lending nationally since 2018, with teams in Sydney, Melbourne, Brisbane and Perth.

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Equity dial A ring showing your loan to value ratio against the 75% lending ceiling, and the equity available at that ceiling. 75% ceiling 0% $450,000 available at 75% lvr
Existing debt Available to release Held above 75%
Current LVR
37.5%
Position if drawn
75.0%

This shows headroom only, calculated from the published 75% maximum LVR. It is not a loan offer, an interest rate or a repayment figure. Rate and loan size are assessed on the deal.

Use this figure in my enquiry →
75%
Maximum LVR, residential and commercial, first or second position
24hr
Scenario answered by a person, no credit enquiry made
1–2days
Typical time to funds once approved and documented
2018
Multifunds lending in Australia since
What the equity is for

Four reasons owners draw on equity instead of selling.

01

Working capital

The equity sitting in a property can fund a business through a stretch of working capital without touching the asset itself, and without waiting on a bank's own timetable to release it.

02

Buying the next property before selling this one

Access the deposit or the balance you need while the current property is still on the market, so the purchase does not wait on a settlement date.

03

Paying out a business partner or an ATO debt

Some debts move faster than a bank's assessment timetable. Equity already sitting in a property can clear them without a forced sale.

04

Funding a renovation or a development deposit

Put the equity to work on the property itself, or on the deposit for the next site, rather than leaving it sitting on the title doing nothing.

The three instruments

A second mortgage and a caveat are not the same thing.

All three sit against the title of a property, and all three are assessed against the same 75% ceiling of the property's value. What differs is what gets lodged, how fast it can be put in place, and what happens to the mortgage that is already there.

Instrument
What it is
When it's used
First mortgageRegistered
The primary registered mortgage recorded on the title. Whoever holds it is repaid first if the property is ever sold.
Used for a straightforward purchase, refinance or equity release, where there is no existing mortgage standing in the way. Max 75% LVR.
Second mortgageRegistered
A further registered mortgage on the same title, ranking behind the first. It does not disturb or require refinancing the first mortgage already in place.
Used when the first mortgage should stay exactly as it is, for example a fixed rate, a low margin, or a facility that would trigger break costs if touched. Combined max 75% LVR.
CaveatNot a mortgage
Not a registered mortgage. A caveat is a notice lodged on the title that flags an interest and prevents most further dealings until it is addressed.
Used when speed matters more than the permanence of a registered mortgage. Considered case by case, alongside second mortgage funding.
Security

Real Australian property, assessed on its own merits.

Every facility is secured by a registered interest over Australian property. Before anything is approved, the deal goes through the same due diligence regardless of which of the three instruments it uses.

Security types accepted
Residential, commercial, industrial
Due diligence
Director & guarantor credit checks, valuation
Coverage
National · Syd · Mel · Bri · Per
Lending since
2018
Term on offer
3–12 months, or longer
How it works

Four steps, and you know your number after the first one.

Run the dial, then submit

Property value, existing debt, and what the equity is for. No documents needed yet, and no credit enquiry is made at this stage.

→ a few minutes

A person calls back

Someone from the desk talks through what is actually possible for your position, or tells you plainly if it is not one that fits.

→ within 24 hours

Assessment

Due diligence on the deal: credit checks on directors and guarantors, and a valuation of the security property.

→ timing depends on valuation access

Documents, then funds

Facility documents are executed and the interest is registered. Funds are then typically available.

→ 1–2 business days to funds
What's published, what isn't

We will tell you plainly what we don't know yet.

Secured Lender is an introducer. Scenarios submitted here are referred to Multifunds Pty Ltd, a licensed Australian private lender trading since 2018. Secured Lender does not lend the funds, hold them, or set the final terms. The figures on this page are what Multifunds has published; everything else is confirmed once a deal is actually assessed.

Published

Maximum LVR75%
Scenario response24 hr, by a person
Credit enquiry on submissionNone
Time to funds once documented1–2 business days
Loan terms offered3–12 mo, or longer

On application

Interest rateOn application
Minimum loan sizeOn application
Maximum loan sizeOn application
Establishment feeOn application
Common questions

Answers, with the source on each one.

How much of my property's value can I access?
Up to 75% of the property's value, on residential and commercial security. The same ceiling applies whether the facility sits in first or second mortgage position, and it is a deliberately conservative bar.Source: Multifunds published lending parameters, verified 13 September 2026
What is the difference between a second mortgage and a caveat?
A second mortgage is a further registered mortgage on the title, ranking behind the first, and it lets you access equity without refinancing or disturbing the first mortgage already in place. A caveat is not a registered mortgage at all. It is a notice lodged on the title that flags an interest, which makes it faster to put in place, and it is considered case by case.Source: Multifunds 2nd mortgage funding page, verified 13 September 2026
Do you do caveat loans?
Caveat lending is considered case by case, alongside second mortgage funding.Source: Multifunds 2nd mortgage funding page, verified 13 September 2026
What if my existing mortgage is already close to 75% of the property's value?
If existing debt is already at or above 75% of the property's value, there is no headroom left at that ceiling. The equity dial above will say so plainly rather than showing a number that is not real. Call and talk through what else might be possible.Source: Multifunds 75% LVR ceiling, applied to your own figures
How fast is a decision, and how fast do funds arrive?
A submitted scenario is answered within 24 hours by a person, with no credit enquiry made at that stage. Once a facility is approved and documents are executed, funds are typically available within 1 to 2 business days.Source: Multifunds scenario submission page, home page, verified 13 September 2026
Will submitting a scenario affect my credit file?
No. No credit enquiry is performed on submission. Credit checks on directors and guarantors happen later, as part of due diligence on a deal that is actually proceeding, alongside a valuation of the security property.Source: Multifunds scenario submission page, FAQ 12
What property can secure the loan?
Australian residential, commercial and industrial property.Source: Multifunds FAQ 11
Is Secured Lender the lender?
No. Secured Lender introduces applications to Multifunds Pty Ltd, a licensed Australian private lender trading since 2018. Secured Lender does not itself lend the funds or hold them.Source: Multifunds Investment Services Pty Ltd licensing disclosure, published on multifunds.com.au
Why is there a business purpose declaration on the form?
This product is written for business and investment purpose lending. If the money is for personal, domestic or household use, that is regulated consumer credit under the National Consumer Credit Protection Act 2009, and this product is not written for it. The declaration on the form is what determines which one applies, and it has to be ticked honestly before a scenario can be submitted.Source: National Consumer Credit Protection Act 2009; Multifunds business-purpose lending terms
What are the interest rate and the loan size limits?
Shown as on application. Multifunds publishes no interest rate or loan size figures outside its gated broker Product Matrix, so rate and loan size are set on the merits of each deal rather than off a rate card, and nothing is invented here to fill the gap.Source: multifunds.com.au, verified 13 September 2026
Enquire

Tell us the shape of it. A person replies within 24 hours.

No documents are needed at this stage, and no credit enquiry is made when you submit.

Business purpose only. Secured Lender arranges business and investment purpose lending. If the money is for personal, domestic or household use, that is regulated consumer credit under the National Consumer Credit Protection Act 2009, and this is not the right product. The declaration below is what determines which one this is, and submission is blocked until it is ticked honestly.
Total across all properties offered
Attribution captured direct carried through to Multifunds

A team member will contact you within 24 hours. Submitting does not affect your credit file.