Property-secured business loans with no valuation before approval

The slowest step, removed

In traditional property lending, a valuer has to be booked, attend the property, write a report and send it back. That can take days or weeks, costs money and often ends with a figure that changes the deal. For a business facing a tax deadline or a time-limited opportunity, waiting is the problem.

Our property-secured loans need no valuation before approval. The property is assessed from evidence that already exists: what similar properties have sold for recently, the title records and photos of the property.

How the assessment works

Input	What it tells the lender
Comparable sales	A realistic value range for the property
Title search	Ownership, existing mortgages and caveats
Photos and description	Condition and features
Location and type	How easily the property could be sold

What you can borrow

Loans run from $20k up to $5m for business purposes, by first mortgage, second mortgage or caveat. Prepaid or capitalised interest is available, terms are flexible, and funding can happen in as little as 24 hours on straightforward deals once documents are signed.

Give an honest estimate

Because the lender works from evidence rather than a report, a realistic estimate of value on your enquiry helps everyone. Use the property equity calculator with a conservative figure, and tell us about anything unusual, such as renovations, damage or special features.

Who uses no-valuation loans

Owners clearing ATO debt before a director penalty notice, businesses paying for stock at a discount that will not last, buyers whose bank finance is late, and anyone who simply cannot wait weeks for a report.

An illustrative example

A boutique hotel operator in a regional town owns her home outright. A coolroom fails in peak season and the replacement, plus lost stock and an overdue BAS, adds up to a sum the business cannot absorb in one month. Her bank offers to look at a home equity loan but needs a valuer to attend, and the earliest booking is weeks away.

With no valuation needed before approval, a caveat loan is assessed from recent sales on her street and photos of the property. Documents are signed, funds arrive and the hotel keeps trading through its busiest weeks. Interest is added to the loan, so the business carries no monthly repayment while it recovers, and the loan is repaid from the season’s takings.

What a lender still checks

Skipping the valuation does not mean skipping due diligence. Expect a title search to confirm ownership and existing interests, identification for every owner, a rates notice, a statement for any existing mortgage, and a clear explanation of what the money is for and how it will be repaid.

Ask about your property

Fill in the short form with the address and a rough value. You can ask with no credit check, a real lender reads it, and your data stays with us. Check your property without a valuation.