borrow against one's property(или house: Canadians are borrowing against their houses more than ever. | The most common way to get into the real estate market right now is inheritance. The cost of real estate has gone through the roof so people who own real estate have borrowed against current property they own to buy investment properties. (Reddit)ART Vancouver)
deposit-secured loan(в речи банковских сотрудников встречаются выражения аналогичного содержания: "кредит под депозит", "кредит под залог депозита" Alex_Odeychuk)