Answers · Releasing equity from property
How do I release the equity in my commercial property?
Direct answer
To release the equity in a commercial property you own and occupy, the most direct route is a sale and leaseback: you sell the property to a long-term investor and lease it back, unlocking close to 100% of its market value as cash while staying in the building. Refinancing releases only part of the equity and adds debt.
There are two ways to get equity out of a commercial property. Refinancing borrows against it — you keep ownership but take on more debt, pay interest, and can usually only draw down a portion of the value. A sale and leaseback sells it outright to a long-term owner who leases it straight back to you, releasing the full market value with no loan attached.
For an owner-occupier, the leaseback is what makes it work: you don't have to move, your business carries on exactly as before, and the equity that was locked in bricks and mortar becomes capital you can put to higher use. With a permanent-hold counterparty you also get long, secure tenure and fair reviews in return — the security of owning without the opportunity cost.
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