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For asset-rich borrowers

Asset-based lending

Explore funding options that give greater weight to a strong asset position when regular income is limited.

Talk with Charles ↗See common questions ↓

The essentials

Asset-based lending considers the strength and liquidity of assets alongside the proposed exit or repayment strategy. It may suit an eligible borrower with substantial property, investments or cash reserves but limited regular income.

This is a specialist area: the loan purpose, term, security and exit strategy must be clear, realistic and appropriate.

What can support an application?

You do not need every item below. Charles can help identify the documents relevant to your situation and the lender being considered.

  • Property and mortgage statements
  • Investment portfolio statements
  • Evidence of cash reserves
  • Details of vehicles or other accepted assets
  • A documented repayment or exit strategy

Why explore it

Potential benefits

  • Access funds without immediately selling an asset
  • Property purchase, investment or refinance purposes may be considered
  • Specialist lenders may assess circumstances case by case

Go in informed

What to consider

  • Not every asset or borrower will qualify
  • Short loan terms, specialist pricing or lower LVR limits may apply
  • You need a credible way to repay the loan without hardship

How Revive helps

A clearer route from questions to application.

01

Understand

Talk through your goals, business, income, assets and credit position.

02

Prepare

Identify useful documents and shape a clear, supportable application story.

03

Compare

Review suitable lender pathways, costs, trade-offs and next steps.

Common questions

What people ask Charles.

These answers are general. Your available options depend on your circumstances and lender policy.

Can I borrow based only on my assets?

Some specialist products place greater weight on assets, but lenders still assess the loan purpose, security and how the debt will be repaid. It is not automatically a no-income-verification loan.

Which assets can be considered?

Depending on the lender, property, investment portfolios and cash reserves may be relevant. Liquidity, value, ownership and any debt secured against the assets all matter.

Is asset-based lending suitable for retirees?

It can be considered in some circumstances, but the repayment and exit strategy must be realistic and the loan appropriate for the borrower’s objectives.

Do I have to sell my assets?

Not necessarily. One purpose of specialist asset-based funding can be to access capital without an immediate sale, but the long-term plan and total cost should be understood.

Compare your options

Other financing pathways

View all options →
Self-employed

Home loans for self-employed Australians

Show the strength of your business without forcing your income into an employee-shaped box.

Explore this option →Alt-doc

Alt-doc home loans

A flexible way to demonstrate income when payslips and standard financials do not fit your situation.

Explore this option →Low-doc

Low-doc home loans

For borrowers with legitimate income who cannot provide the complete documents a mainstream lender usually asks for.

Explore this option →Credit challenged

Home loans after credit problems

Understand what lenders may consider after defaults, missed payments, bankruptcy or a difficult life event.

Explore this option →

Your situation is allowed to be complicated

Start with a conversation, not an application.

Charles can help you work out which pathway deserves a closer look—without forcing a fit.

Talk with Charles ↗