What can I use an equity line of credit for?
An equity line of credit lets you put the equity in your existing assets to work. Developers use it to acquire additional capital to complete a project, to bring a project to market sooner, to consolidate debt into a single loan with better terms, and to fund land settlements and construction for their next project. It is a flexible way to improve cash flow without selling down assets.
How much equity can I release?
Equity line of credit facilities are available up to 75% LVR and up to $10 million, with interest rates starting from 8% p.a. The amount you can release depends on the value of the assets you are borrowing against and how the facility fits your broader strategy. DFP structures the facility to leverage your equity to the most efficient level for your goals.
Do I need full financials to apply?
No. DFP's equity line of credit is offered as No-Doc and Low-Doc finance only, so it suits developers and investors who cannot easily satisfy a full-doc bank assessment. The facility is structured around your assets and your project objectives rather than extensive income verification, which also means faster approvals and settlements.
What assets can I borrow against?
You can release equity from unsold stock, your home, investment properties or other assets. This flexibility means you are not limited to a single property — DFP looks across your portfolio to find the most efficient way to unlock capital for your next move while keeping your overall structure sensible.
How quickly can an equity facility settle?
Equity line of credit facilities are built for simple, fast and flexible approvals and settlements. Because they are No-Doc and Low-Doc and structured around your assets, they avoid much of the delay of a traditional bank process. DFP will give you a clear timeframe once we understand the assets involved and the outcome you are after.
How does releasing equity reduce portfolio risk?
Drawing on equity can actually lower portfolio risk when it is used to increase diversification and liquidity. Rather than having capital locked into a single completed project or asset, an equity line of credit frees funds you can deploy across more than one project — spreading your exposure and giving you cash on hand to respond to opportunities or challenges.