If you own stocks, and are thinking about a loan, you might think about using the equities as collateral for a loan. You can ask your banker about it, and they will confirm that getting a loan on stocks is entirely possible.
They will also tell you that there are some stocks that will be excluded due to government regulations. They will only be able to lend up to 40% of the value of your stocks. Then they will explain that they need a business proposal describing what you are going to do with the funds once the loan in funded. And another insult will follow that one. It will take a long while to get the loan.
So it looks like institutional lenders and banks are not really promising as far as getting a loan on your stocks. But wait, before you sell the equities at market value, consider Equities First AU.
They will lend you up to a whopping 80% of the value of the stocks. You will not have to write a business proposal describing the purpose of the loan. They will not ask for one. Their interest rate is far lower than the competition. Plus, they will lend up to 80% of the value of the stocks. They are a private lender, not a bank or financial institution, so government regulations over what kinds of stocks can be used for collateral do not matter. The funding will be immediate.
That sounds a lot better. Call them. Talk to Equities First AU.