Property finance in Australia has evolved well beyond traditional bank lending. Today, business owners and property investors are increasingly using the equity in their property assets to access fast, flexible funding solutions, whether for business growth, investment, or strategic opportunities.
We work alongside mortgage brokers and referral partners, providing solutions for scenarios that fall outside traditional bank lending.
At Woodward Finance, we specialise in structuring property-backed finance solutions that go beyond what major banks offer. Whether you’re looking to release equity, secure a second mortgage, or explore alternative lending options, we connect you with lenders who understand complex scenarios.
Property finance refers to any loan secured against real estate — including commercial, industrial, or investment property.
Unlike standard home lending, modern property finance solutions are commonly used to:
In many cases, the structure of the loan is just as important as the rate — and choosing the right lender can significantly impact approval speed, flexibility, and total cost.
We work across a wide range of property-backed lending options, including:
Access equity without disturbing your existing facility. Ideal for borrowers who want speed, flexibility, or to avoid break costs on fixed-rate loans.
Commercial Property Finance
Funding solutions secured against commercial real estate, including offices, warehouses, and mixed-use properties.
Low Doc Property Loans
Flexible lending options designed for business owners, self-employed borrowers, or those with non-standard income documentation.
Refinance & Equity Release
Restructure your existing lending or unlock capital tied up in your property to improve cash flow or fund new opportunities.
We are seeing a significant shift in how Australian borrowers use property-backed lending. Rather than relying solely on traditional bank funding, more clients are using property finance as a strategic funding tool — particularly when: Timing is critical Income structures don’t meet bank criteria Opportunities require fast access to capital Existing lending structures create limitations This shift is driving increased demand for non-bank and specialist lenders, who assess deals differently and offer more flexible solutions.
raditional banks typically focus on: Strict income verification Conservative lending policies Longer approval timeframes Specialist and non-bank lenders may offer: Faster approvals Greater flexibility around income and deal structure Asset-based lending approaches Short-to-medium term funding solutions At Woodward Finance, we work with over 50 lenders, allowing us to match your scenario with the right funding solution — not just the most obvious one.
Consolidate multiple loans into one manageable repayment. Ease financial pressure and take back control.
Property finance is commonly used by: Business owners accessing equity for growth Property investors funding new acquisitions Self-employed borrowers needing flexible lending Clients with time-sensitive funding needs Borrowers restructuring or consolidating debt If you have equity in your property, there are often more options available than most borrowers realise.
There is no one-size-fits-all approach. The right solution depends on: Your current lending structure Your timeframe (short vs long-term funding) Your income profile The purpose of the funds Total cost — including rates, fees, and potential break costs This is where expert structuring becomes critical.
If you’re considering property finance in Australia, the key is understanding what’s possible based on your specific situation.
We can quickly assess your scenario and show you:
If you’re looking to access equity, restructure your lending, or explore alternative funding options, our team can guide you through the process.
Contact Woodward Finance today to explore your property finance options and get clarity on the best path forward.
Please use the form below to get in touch with our team. We’ll get back to you as soon as we can.
Property finance in Australia refers to any lending solution secured against real estate, including commercial, industrial, or investment property. It is commonly used by business owners and investors to access equity, fund growth, or restructure existing lending.
Yes. Many business owners use property-backed finance to access capital for business purposes. This can include working capital, expansion, acquisitions, or covering short-term cash flow gaps.e.
A standard home loan is typically used to purchase residential property and is assessed using strict income criteria. Property finance, particularly through specialist lenders, is often more flexible and can be structured around equity, asset position, and the purpose of funds.
A second mortgage is a loan secured against the equity in your property, sitting behind your existing primary mortgage. It allows you to access additional funds without refinancing your original loan, making it a popular option when speed or flexibility is required.
Private Lender Finance is suitable for businesses needing flexible terms, quick approvals or with unique financial situations, where traditional bank criteria may be limiting.
Not always. While traditional lenders require full financial documentation, many specialist and non-bank lenders offer low doc or alternative assessment options, particularly for business owners and self-employed borrowers.
Approval timeframes vary depending on the lender and structure. Traditional bank lending can take several weeks, while some property-backed solutions, such as second mortgages, can be approved and settled in as little as a few days to a couple of weeks.
No. While many solutions are structured around commercial or investment property, property finance can also be used by business owners leveraging residential or mixed-use assets for funding purposes.
Yes. We regularly work alongside mortgage brokers and referral partners, providing solutions for clients who fall outside traditional bank lending criteria or require more specialised funding structures.
The best option depends on your current loan structure, equity position, timeframe, and funding purpose. A specialist broker can assess your situation and compare multiple lenders to determine the most cost-effective and suitable solution.
