$2.8M Equity Release Helps Asset-Rich Borrower Unlock Capital
Owning valuable property doesn't always mean accessing capital is easy.
Assetline helped an asset-rich borrower unlock $2.8 million in equity from an unencumbered residential property without relying on ongoing employment income, allowing them to move forward with confidence while preserving flexibility around their long-term plans.
The Scenario
A later-life borrower owned a high-value residential property outright in metropolitan New South Wales.
The borrower no longer had traditional employment income but required access to capital to:
Assist family members with property purchases
Complete significant renovations on another property
Maintain liquidity while planning the future sale of the existing property
Although substantial equity was available, traditional lending options were limited because the borrower no longer met standard servicing requirements.
The borrower needed a funding solution built around the strength of the asset rather than ongoing income.
Why Traditional Lending Wasn't the Right Fit
Many borrowers accumulate significant property wealth over time but have little or no ongoing employment income.
Traditional lenders often focus heavily on servicing, making it difficult for later-life or asset-rich borrowers to access the equity they've already built.
Where there is strong security and a clearly documented exit strategy, a different lending approach may provide a more appropriate solution.
The Assetline Solution
Assetline structured a $2.8 million Equity Release Bridging facility tailored to the borrower's circumstances.
The solution included:
$2.8 million equity release
65% LVR (inclusive of costs and capitalised interest)
No reliance on employment income
No monthly repayments, with interest capitalised
24-month loan term
Security provided by an unencumbered residential property
Exit via the planned sale of the property
The facility enabled the borrower to unlock existing equity without selling immediately or relying on traditional servicing metrics.
"Property wealth shouldn't become trapped simply because a borrower no longer has traditional income. Where equity is strong and the exit is clear, bridging finance can provide access to capital without unnecessary barriers."
Royden D'Vaz
General Manager - Distribution & Partnerships
Deal Snapshot
Loan Amount | $2.8 million |
Product | Equity Release Bridging |
Loan Purpose | Equity Release |
Location | NSW |
Security | Unencumbered Residential Property |
LVR | 65% |
Loan Term | 24 months |
Repayments | Interest Capitalised |
Income Reliance | None |
Exit Strategy | Sale of Property |
Why This Structure Worked
The borrower didn't need additional borrowing capacity.
They already owned the asset.
The challenge was accessing the equity without traditional servicing requirements slowing the transaction down.
By assessing the security, the documented exit strategy and the borrower's overall circumstances, Assetline delivered a solution that unlocked capital while allowing the borrower to retain ownership until the timing was right to sell.
Common Equity Release Scenarios We Assist With
Assetline regularly helps brokers with:
Equity release for later-life borrowers
Asset-rich borrowers with limited income
Downsizing strategies
Renovations before sale
Family assistance and wealth transfer
Buy before sell
Property-backed capital access
Borrowers declined by traditional lenders
Frequently Asked Questions
What is an Equity Release Bridging loan?
An Equity Release Bridging loan allows eligible borrowers to access equity from residential property without relying on ongoing employment income, provided there is a documented exit strategy.
Is ongoing employment income required?
Not necessarily. Eligible scenarios are assessed based on property equity and the proposed exit strategy rather than ongoing employment income.
Are monthly repayments required?
No. Interest is capitalised, meaning borrowers do not make monthly repayments during the loan term.
Who is this product suitable for?
Equity Release Bridging may suit later-life borrowers, retirees and other asset-rich borrowers seeking access to capital without selling immediately.
