The family home question
Your home and your guarantee: borrowing with what's personal
Home equity, second mortgages, caveats, jointly owned homes and personal guarantees — what you're really agreeing to, and how to keep the family home as safe as possible.
Home equity for business
Using home equity for business can unlock a bigger, longer loan and puts the family home on the line. How it works, your options and what to ask first.
Read more →Personal guarantees
A personal guarantee on a business loan makes you liable if the business can't pay. What it covers, limited versus unlimited, and what to ask first.
Read more →Second mortgage for business
Keep your home loan and borrow for the business with a second mortgage. How it ranks, when first-lender consent matters, what it suits and the risks to weigh.
Read more →Caveat loans on your home
A caveat loan secures short-term business funding with a caveat on your title. How it differs from a mortgage, when it fits, and the exit plan you need.
Read more →Home in joint names
Borrowing against a jointly owned home for your business? Why every owner must sign, what your partner agrees to, and how to decide it together.
Read more →Protecting the family home
Practical ways to protect the family home when you take a business loan: sizing, security choices, guarantees, buffers and the exit plan that matters most.
Read more →Guaranteeing family
Your child, sibling or partner has asked you to guarantee their business loan. What you'd be agreeing to, the questions to ask, and safer ways to help.
Read more →Borrowing without the house
Want business finance without putting the family home up as security? How unsecured and cash-flow options work, what lenders check, and the limits to know.
Read more →Investment property as security
Own a rental or commercial property? How using an investment property as security for a business loan works, what it protects, and what it still puts at risk.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
One person, not a lead list
A real conversation