Guides
Guides for the decision before the loan
Researched, plain-English reading for Australian business owners deciding whether, when and how to use property equity, with new guides added regularly.
Before you decideTax and timingExits and later life
Questions to Ask Your Accountant Before Using Home Equity
Before you borrow against your home for the business, ask your accountant these twelve questions on tax, structure, cash flow and exits. A one-meeting guide.
3 October 2026
Stress-Testing Your Plan Before Borrowing Against Property
How to stress-test a business plan before a second mortgage: four scenarios to run, what to measure and how to read the results, with a worked example.
3 October 2026
GIC No Longer Deductible: Rethinking How to Fund Tax Debt
From 1 July 2025 the ATO's general interest charge isn't tax deductible. What that means when comparing a payment plan, a second mortgage or other options.
3 October 2026
Downsizing as Your Exit: Planning It Properly
Planning to repay a business second mortgage by downsizing the family home? Timelines, family agreement, tax and super rules, and a fallback, explained.
3 October 2026
Second Mortgage Myths Business Owners Still Believe
Business second mortgages are often misunderstood. Nine common myths, from 'only for desperate borrowers' to 'you must refinance first', and what's true.
3 October 2026
Borrowing Against Your Home Near Retirement for Business
Thinking of a business second mortgage in your late 50s or 60s? How the decision changes near retirement, which exits suit and how to protect your plans.
3 October 2026Weighed it up? Let's see if it stacks up.
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