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Frequently Asked Questions

How does the product work?

What is the application process?

Fill out an enquiry form here and a member of our team will contact you to understand more about your situation and arrive at the amount of funds we can provide, subject to inspection.

Are there any application costs?

No. There are currently no fees or charges to lodge an application with LongView. 

What are the eligibility criteria?


You need to own a home, as an owner occupier, located in Melbourne, Sydney, Brisbane, Gold Coast.

Property Type

We make money as a business by ensuring we are supporting clients who live in quality homes. We review each property on its merits, however we typically don’t provide funds to owners with properties in high rise apartments, new build townhouses or house & land.

How does LongView make money?

LongView provides you with funds now, in exchange for a share of the future growth in your property. This is calculated based on the amount of funds provided to you, as well as the capital growth prospects on your property.

This means that LongView will only make money if your property goes up in value.

There are no other interest, fees or repayments associated with the product.

Is this debt?

No. LongView’s contribution operates as equity and all funds paid back to LongView are tied to the performance of your home. Debt products typically charge interest regardless of the performance of your property, where as LongView only makes money if your specific property increases in value. 

How does it impact my home?

Is LongView’s name on title?

No. You remain solely on title, and you retain full ownership of the property.

LongView will lodge a second mortgage or caveat, depending on the lender who is providing your home loan. This is to protect our interest to make sure we are paid out our share when the property is sold.

Can LongView sell my property?

LongView does not have the power to sell the property out from under you.

Can I lease out my home?

We are focused on supporting owner occupiers. To that extent, our contract requires the home to be your principal place of residence. If you want to rent it out and/or change it to an investment property you need to let us know. This is likely to have tax and other financial consequences for you and we want to make sure you have received professional advice before making this decision.

What are the different ways I can exit the agreement with LongView?

The agreement ends when you sell the property, or if you buy out LongView, which you can do at any point in time. The agreement will also end, and require payment, if parties to the contract die.

What happens when I sell?

Who pays for the sales and marketing costs?

When you want to sell, you need to let LongView know so we can work with you to identify an agent and develop a sales campaign that will get the best possible price. This is the best outcome for both, as the higher the sale price the better for all parties.

The costs related to sales and marketing will be taken off the final sale price – which means that LongView is sharing in this cost with you. 

How do I calculate how much LongView gets paid?

Let’s use an example. Say LongView provided you with $150,000 when your home was valued at $1.5m. In exchange, you agreed to pay back LongView the $150,000 and 33% of any increase in the property price above $1.5m.

In 10 years' time you sell your property for $1.85m, and sales and marketing costs are $50,000. The entry price was $1.50m, and the net sales price is $1.80m (after sales and marketing costs). This represents a capital gain of $300,000 of which you will pay 33% to LongView.

You end up paying LongView the initial funds we provided, which is $150,000, plus $100,000, representing 33% of the capital gain. You get access to the $200,000 remaining capital gain, and the rest of the property value below $1.5m (less any outstanding debt on your home loan that remains).

What happens if my property goes backwards in value and sell?

In some instances, LongView will reduce the amount you need to repay if your property goes backward in value.

If you sell the property after 4 years for a loss, LongView will share part of the loss with you. We are investing in your property for the medium to long-term, and want to be aligned with you on the performance of your property, good or bad!

For example, if the property reduced in capital value by $90,000, you would only repay LongView the initial amount provided, less $30,000 (33% of $90,000).

However, If you sell the property within the first 4 years of starting our agreement, and the property is sold for a loss, you need to repay the initial amount to LongView. 

What are the different ways I can exit the agreement with LongView?

The agreement ends when you sell the property, or if you buy out LongView, which you can do at any point in time. The agreement will also end, and require payment, if parties to the contract die.

How does buy out work?

Can I buy out LongView?

Yes, you let us know that you'd like to buy us out and we work with you to arrange a property valuation.

How does LongView determine the value of my home?

LongView have a panel of qualified independent property valuers who will evaluate the fair market value had the property been sold.

The independent property valuer will need to physically inspect your home as part of this process and assess recent sales activity in your location. It’s important to note that the valuation may come out more than a bank valuation, which are often conservative as they are completed for a different purpose

Can I buy out part of LongView?

Yes, we accept partial buy outs, with a minimum buy out of $50,000 at a time.

Who pays for the valuation?

If you request us to commission a valuation and decide to buy out some, or all, of our share, we will split the valuation cost with you. If you request a valuation but do not proceed to buy out any of our share you will need to pay the full cost of the valuation. 

What happens if the property is valued for an amount less than the initial value?

If you seek to buy out LongView’s share and the valuation is less than the initial valuation, you are only required to repay the initial amount LongView provided you with.