Equity Release Loans

As a specialist non-bank commercial lender, NWC Finance provides equity release loans designed for business owners, property investors and developers who need fast, flexible access to capital.

For brokers and advisers, equity release is a powerful tool to solve time-critical funding challenges, unlock opportunities for clients and retain relationships when traditional banks are unable to move quickly or assess deals pragmatically. NWC Finance delivers outcomes within 24–72 hours, helping advisers keep their clients moving.

What Is Equity Release and How Does It Work?

Equity release allows clients to borrow against the available equity in their property, without selling the asset or restructuring their entire debt position.

Unlike banks, NWC Finance assesses equity release from a commercial perspective, focusing on asset quality, exit strategy and deal structure rather than rigid credit models. This approach enables advisers to deliver solutions for clients who require speed, discretion or non-standard lending structures.

The Different Types of Equity Release Products

Reverse
Mortgages

Reverse mortgages are generally suited to retirees and personal lending scenarios. These products fall outside NWC Finance’s core focus and are typically not appropriate for commercial or business-driven funding needs.

Home Reversion
Schemes

Home reversion schemes involve selling part of a property to access capital, reducing long-term ownership. While applicable in some circumstances, they often lack the flexibility required by business owners and investors.

Home Equity Loans
(Cash Out)

Home equity loans, also known as cash-out loans, are the most effective equity release solution for business clients. NWC Finance provides commercial equity release loans secured by commercial property, where funds are used strictly for business or investment purposes.

Equity Release vs. Home Equity Loans: What is the Difference?

Equity release describes the strategy of unlocking property value, while home equity loans are the commercial lending solution most commonly used to achieve it.

For brokers and advisers, home equity loans offer:

  • Clear loan terms
  • Defined exit strategies
  • Greater flexibility
  • Faster turnaround times

 

This makes them ideal for non-bank commercial lending scenarios.

When Should You Consider Releasing Equity?

Equity release is particularly effective when clients face time pressure or complexity, including:

Business cash flow constraints

Urgent tax obligations or liabilities

Acquisition or expansion opportunities

Bridging finance requirements

Restructuring private or short-term debt

For advisers, working with a non-bank lender like NWC Finance means you can solve these problems quickly,

without losing clients to alternative funding sources.

The Pros and Cons of Equity Release

Equity release is particularly effective when clients face time pressure or complexity, including:

Benefits of Accessing Equity

  • Fast access to capital without selling property
  • Retention of long-term assets
  • Flexible commercial loan structures
  • Enables advisers to retain and protect client relationships
  • Suitable for complex or urgent scenarios

Risks and Costs to Consider

  • Higher pricing compared to major banks
  • Reduced available equity
  • Not suitable for all long-term strategies

NWC Finance works collaboratively with advisers to ensure equity release is used strategically and responsibly.

Eligibility and Lending Criteria

As a non-bank commercial lender, NWC Finance assesses deals based on:

  • Asset quality and location
  • Available equity and LVR
  • Exit strategy
  • Purpose of funds

 

This pragmatic approach allows brokers and advisers to present solutions where banks may be constrained by policy or timing.

How to Apply for an Equity Release Loan

Our four step process is simple, focusing on fulfilling the immediate needs of your clients.

1

Enquiry & Referral

Your client begins by completing an online enquiry form outlining their specific needs. To guarantee a transparent and secure lending process, they will reference you as the referral– establishing the beginning of our partnership.
2

Assessment & Offer

Our team at NWC Finance will assess your client’s financial situation and lending needs. Based on our evaluation, we prepare a tailored offer letter, detailing the lending solution we’re able to offer.
3

Due Diligence

At this stage of the process, we require additional documentation from the client as part of our due diligence process pre-settlement.
4

Funding Approval

Your client will receive their funding, and you retain full control of their financial strategy.

FAQs

Does equity release affect my credit score?

Equity release does not negatively impact credit when repayments are maintained.

Is the money taxable in Australia?

Equity release is generally not taxable income, though clients should seek tax advice.

Can I lose my home with equity release?

As with any secured loan, default carries risk. NWC Finance focuses on sustainable exits and tailored structures.

How long does the approval process take?

Indicative terms can be issued quickly, with funding commonly completed within 24–72 hours.

Why Choose NWC Finance?

NWC Finance is a trusted non-bank commercial lender supporting brokers, accountants, lawyers and advisers across Australia and New Zealand. We specialise in secured commercial loans where timing, flexibility and certainty matter.

By partnering with NWC Finance, advisers gain a reliable funding partner that helps them retain clients, close deals and deliver outcomes, even when traditional lenders cannot.

Speak to a specialist at NWC Finance today