Asset Based Mortgage Loan
Getting approved for a mortgage isn’t always simple, especially for self-employed individuals, retirees, or those with complex income streams. Traditional lenders typically ask for detailed tax returns, payslips, and a stable income history, making it harder for many people to qualify.
But if you already have strong assets, there’s a smarter way to secure funding: an asset-based mortgage loan. This type of loan allows you to leverage your assets, not just your income, to access finance.
Whether it’s cash reserves, investment portfolios, or equity in property, your assets could unlock the mortgage you need.
Loan Requirements
- Valid ID & asset docs
- Proof of ownership
- Clear property details
- Loan purpose
- Basic financials (if needed)
Most Asset finance brokers in Australia focus more on your asset position than traditional income metrics.
Loan Features
- Secured against assets
- Minimal income documentation
- Flexible approval process
- Larger loan sizes are possible
- Ideal for non-standard borrowers
This approach works well for borrowers with wealth tied up in investments, property, or business assets.
What is an Asset-Based Mortgage Loan?
An asset-based loan is a lending option where the amount you can borrow and your eligibility are primarily based on the assets you own, rather than your income documents.
This mortgage loan in Melbourne is suitable for borrowers with low reported income but high net worth.
Assets used can include:
- Cash reserves or term deposits
- Property equity
- Shares or managed funds
- Business equipment
- Investment portfolio
This type of loan is often used by:
- Self-employed individuals
- Retirees with savings or investments
- High net worth borrowers with low taxable income
- Investors with rental yields and asset-rich profiles
How Do I Apply?
The application process for this business loan is simpler than traditional mortgages:
- Initial Enquiry
Submit your property and asset details to get the process started.
- Asset Review
Lenders assess supporting documents such as bank statements, property valuations, or investment summaries.
- Loan Offer
A tailored mortgage offer is presented based on the strength of your asset position.
- Funding & Settlement
Once approved, documentation is completed and funding is released, often within a few days.
Asset-based mortgage lenders aim to make the process faster and more flexible than traditional institutions.
Assets used can include:
- Self-employed individuals
- Retirees with savings or investments
- High net worth borrowers with low taxable income
- Investors with rental yields and asset-rich profiles
How Much Can I Borrow?
Loan sizes depend on the asset class and its liquidity. Here’s a general guide:
- Cash or Term Deposits – Up to 100% of asset value
- Managed Funds/Shares – 60–80% of market value
- Real Estate Equity – Up to 75% of available equity
- Business Equipment – Depends on condition and resale value.
The more provable and accessible your asset, the more funding you can unlock.
Why Us
We specialise in helping borrowers who don’t fit the traditional lending mold. Whether you’re a business owner, property investor, or self-funded retiree, we can connect you with asset-based mortgage lenders who understand your financial situation.
We can help you with:
- Access to non-bank and private asset-based lenders
- We focus on asset strength, not just income
- Ideal for purchases, refinancing, or equity release
- Quick, responsive service with minimal red tape
- Experience handling complex asset portfol
If you’re looking for a flexible mortgage loan based on assets, we can help structure a loan around what you own, not just your income.
Ready to Unlock Finance Using Your Assets?
If you’re financially strong but don’t meet bank lending rules, an asset-based mortgage finance might be your ideal path to property finance. It’s flexible, fast, and tailored to your real-world wealth, not your payslip.
Speak to Realloans Australia and discover how we can help you access a mortgage loan based on your assets, with less paperwork and more control.
Frequently Asked Questions
Q1. What Types Of Assets Can Be Used For An Asset-Based Mortgage Loan?
Cash, real estate equity, term deposits, shares, managed funds, and even business equipment may be accepted, depending on the lender.
Q2. Do I Need To Prove Income Or Provide Tax Returns?
Not necessarily. Many asset-based mortgage lenders allow low-doc or no-doc applications if your assets provide sufficient security.
Q3. Can I Refinance My Current Mortgage Using This Loan?
Yes. A mortgage loan based on assets can be used to refinance existing debt or release equity from property.
Q4. Who Qualifies For This Type Of Mortgage?
Self-employed borrowers, retirees, high net worth individuals, and investors with asset-rich profiles often benefit the most from asset-based lending.
Q5. Is This Available For Commercial Properties Too?
Yes. Asset-based mortgage loans are available for both residential and commercial properties, depending on lender preferences.
Q6. How Long Does It Take To Get Approved?
With complete documents and clear assets, approval can happen in as little as 2–5 business days.