If you're looking to start or grow your business, we're here to support you. Whether it's to cover renovations, new equipment or some unexpected costs, you could use the equity in your residential property as security against a business loan at a highly competitive rate. 

Key Features

LVR (Loan to Value Ratio) up to 80%
Loan terms of up to 25 years
Principal and Interest or Interest Only repayments options available
Redraw facility available*
Principal & Interest Annual Rate
Variable Rate (up to 80% LVR) 2.94% p.a.
Interest Only Annual Rate
Variable Rate (up to 80% LVR) 3.14% p.a.
Application Fee 0.25% of the loan amount (min. $500)
Monthly Fee $20.00
Valuation and Legal Fees At Cost


Adding an asset as security for your loan means that you could get more favourable terms for your business loan, such as lower rates and reduced fees. If you own a residential property, you can secure it against your business loan. Learn more about our ResiSec Loans here.

Note: eligibility and lending criteria apply to all loans. For more information please view our Lending Terms and Conditions.  

The only acceptable security type for this product is residential property. Note, postcode restrictions apply, and there is a maximum Loan to Value Ratio (LVR) of 80% applicable. 

Business Resisec Loans are only available if you’re borrowing for business purposes. The following borrower types are acceptable: 

  • Business entities;
  • Personal customers in their capacity as a trustee for a trust;
  • Companies in their capacity as a trustee for a trust.

The rate can be variable or fixed (fixed rates are available on application only). 

Yes, redraw facility is available for all Business Resisec Loans. 

Both Principal & Interest or Interest Only repayment options are available for Business Resisec Loans. 

Enquire now

We're here to help

Our Corporate and Institutional Bankers are on hand to help when you need it.

Ask questions or give feedback via our online enquiry form.

Visit our friendly staff at one of our branches

*Fees and charges apply to redraw facility. 

1The Special Offer is only available to new loans and excludes internal refinances or switches for existing loans with Bank of Sydney. Interest rates are subject to change. Standard lending criteria, fees and charges apply. Special Offer may be varied or terminated by BOS at any time. Offer current as at 23 February 2022 and available to applications received by 31 May 2022 and settled by 31 August 2022.


Available to residential property within Metro postcodes in NSW, VIC, SA and QLD.

All applications subject to meeting lending criteria and Bank of Sydney approval.

Please take a moment to read through the below information before applying, as this advice is general and does not take into account specific individual needs.

Commercial Loan Terms & Conditions

Lending Facilities Fees & Charges Guide

More information about our products and services is available here.