Finance Solutions Beyond Standard Lending.
From commercial property acquisition to development finance and non-bank specialist solutions — we structure deals that mainstream lenders can’t or won’t.
Commercial & Specialist Loan Types
Each commercial lending scenario is unique. We identify the right product, lender, and structure for your specific transaction.
Purchasing Commercial Property
Commercial property loans cover the purchase of retail, office, industrial, and mixed-use properties for owner-occupation or investment. Unlike residential loans, commercial lending is assessed on the income-producing capacity of the asset as well as the borrower’s financial position — which provides more flexibility in deal structuring for strong operators.
Owner-Occupied vs Investment
Owner-occupied commercial lending — where you purchase the premises your business operates from — often attracts more favourable terms than pure investment commercial lending. For investment properties, lenders focus heavily on the lease quality, tenant covenant, and WALE (weighted average lease expiry) when assessing risk and setting LVRs.
Non-Bank & Specialist Lending
Non-conforming borrowers — including self-employed individuals with complex income structures, those with prior credit impairment, or transactions involving unusual security types — may be declined by mainstream lenders despite having genuine repayment capacity. Specialist and non-bank lenders use more flexible assessment criteria and can often provide a pathway to finance that standard lenders cannot.
Bridging & Caveat Finance
Short-term bridging loans provide temporary funding to bridge a financial gap — typically while awaiting the sale of an existing property, settlement of a longer-term loan, or probate resolution. Caveat loans are secured against real property and can be funded within 24–48 hours for urgent situations. Both products carry higher rates reflecting the short-term, higher-risk nature of the lending.
Residential & Commercial Development Finance
Development finance funds the construction of new residential, mixed-use, or commercial projects. Lenders typically fund up to 65–70% of the total development cost (TDC), with funds drawn progressively against certified construction milestones. We work with both major bank and non-bank development lenders to find the most cost-effective structure for your project.
Pre-Sales & Presale Requirements
Most lenders require a minimum level of pre-sales — typically 80–100% of the debt component — before funding a development. We can advise on pre-sale strategies, help you navigate mezzanine finance to reduce your pre-sale hurdle, and structure your equity contribution to maximise returns. Our network includes specialist development lenders who can move quickly on well-structured projects.
Key Loan Details
From commercial property acquisition to development finance and non-bank specialist solutions — we structure deals that mainstream lenders can’t or won’t.
Feature
Details
Non-Conforming LVR
Up to 85% (subject to credit history and asset type)
Credit Impairment
Defaults, judgements, Part IX/X may be considered
Income Verification
Alternative docs, BAS statements, accountant letters
Bridging Loan Term
3–24 months
Caveat Loan Funding
As fast as 24–48 hours for urgent situations
Interest Rate (Bridging)
From 0.9% per month (capitalised interest available)
Exit Strategy Required
Yes — clearly documented exit required at application
Our Commercial Lending Advantage.
Speed, access, and deal structuring expertise that standard broker channels simply can’t match.
Know Your Numbers Before You Apply.
Borrowing Power Calculator
Estimate how much you may be able to borrow. Lenders apply a 3% serviceability buffer on top of the assessed rate.
Income
Expenses & Liabilities
Loan Details
Estimated Borrowing Power
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Monthly Repayment—
Assessment Rate Used—
Est. Monthly Tax—
Available for Repayments—
This is a guide only. Actual borrowing capacity depends on lender criteria, HEM benchmarks, credit history, and other factors. Speak to a mortgage broker for a personalised assessment.
Loan Repayment Calculator
Estimate your regular repayments based on your loan details.
Monthly Repayment
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Total Interest—
Total Amount Payable—
Principal vs Interest
Estimates only. Actual repayments may vary. Does not account for lender fees or rate changes.
Stamp Duty Calculator
Calculate transfer duty and government fees for property purchases across all Australian states and territories.
Stamp Duty Payable
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Mortgage Registration Fee—
Transfer / Title Fee—
Total Government Fees—
Rates updated to 2025/26. Always confirm with your solicitor or conveyancer. Foreign purchaser surcharges not included.
How the Process Works.
A structured process designed to position your application correctly before it reaches a credit decision-maker.
General Assessment Criteria.
Commercial lending is assessed holistically. The following factors are typically considered.
- Demonstrated ability to service the debt — from business income, rental income, or personal income
- Acceptable security — commercial or residential real property within eligible postcodes
- Satisfactory business and personal credit history (specialist lenders may consider impaired credit)
- Minimum equity contribution — typically 25–35% for commercial property (varies by asset type)
- Two years’ financial statements and tax returns for existing businesses (or alt doc for eligible borrowers)
- Clear purpose — loan purpose must be for business or investment (not personal/consumer use)
Got Questions? We’ve Got Answers.
Answers to the commercial lending questions we’re asked most frequently.
How is a commercial loan assessed differently to a residential loan?
Commercial lending is not subject to the National Consumer Credit Protection Act (NCCP), which means lenders have more flexibility in their assessment criteria. Serviceability is assessed on business and investment income rather than personal income alone. The quality and nature of the security (asset type, location, lease income) plays a much larger role than in residential lending.
What is the difference between LVR and LTC in development finance?
LVR (Loan-to-Value Ratio) measures the loan against the completed, on-market value of the project (the Gross Realisable Value or GRV). LTC (Loan-to-Cost) measures the loan against the total project cost — including land, construction, professional fees, and holding costs. Development lenders apply both tests and lend to whichever produces the lower figure.
Can I use a commercial property loan if my business has only been operating for one year?
Some lenders require two years of trading history, but others — particularly specialist and non-bank lenders — will consider applications from businesses operating for 12 months or less, provided there is strong asset security and a clear servicing position. We’ll identify the lenders most likely to support your application given your trading history.
What security is acceptable for a commercial loan?
Commercial real property — retail, office, industrial, medical, and mixed-use — is generally acceptable security. Residential property can be offered as additional security or, in some cases, as the primary security for a business loan. Lenders assess the quality and liquidity of the security separately from the borrower’s income position. Some lenders will also consider specialist assets such as childcare centres, service stations, or hotels, though these attract tighter LVRs.
Have a Commercial Deal to Discuss?
Our commercial lending specialists work with businesses and investors on transactions of all sizes. Let us assess your deal and identify the right funding solution.
