Reliable Commercial Property Finance Australia-Wide

Commercial property finance is a funding solution designed for purchasing, refinancing, or expanding income-producing real estate such as offices, retail centres, warehouses, or industrial properties. It offers flexible loan terms, competitive interest rates, and high loan-to-value (LVR) ratios, enabling businesses to secure the capital needed for growth and development.

• First Mortgage: This is the primary loan secured by your property, offering lower interest rates and having the first claim in the event of default.
• Second Mortgage: This additional loan is secured on a property that already has a 1st mortgage. It typically carries higher interest rates and is subordinate to the 1st mortgage, meaning it is repaid only after the primary mortgage is satisfied.

A caveat loan uses the value of your property as security, where a caveat is placed on the property title. This informs potential buyers or lenders that a third party has an interest in the property. Caveat loans offer quick access to short-term funds, often with higher loan-to-value ratios, making them ideal for urgent working capital needs.

Bridging finance is a short-term funding option used to “bridge” the gap between immediate financial needs and long-term financing. It can be utilized for property acquisitions, debt repayments, or cash flow gaps. Typically, bridging loans are approved quickly—often within 24 to 48 hours—and are repaid once long-term financing is secured or the property is sold.

Development and construction finance is tailored to support property developers in funding new projects or renovating existing structures. This type of finance covers costs related to land acquisition, construction, and development, with funds typically released in stages as the project progresses. It features flexible repayment options such as interest-only or capitalized interest during the construction phase.

Residual stock finance is a short-term funding solution specifically designed for property developers who are managing unsold properties—referred to as residual stock—in their development projects.

• Purpose: It provides the necessary funds tied to unsold homes, allowing developers to maintain liquidity and continue operations while waiting for favourable market conditions to sell these properties at a higher price.

• Benefits:

o Mitigates Cash Flow Risks: Offers immediate capital to ease financial pressure from unsold inventory.

o Maximizes Return on Investment: Enables developers to hold onto properties until the market improves, potentially increasing profits.

o Flexible Funding: Serves as a temporary solution until the residual stock can be sold under more favourable conditions.

A commercial mortgage broker acts as your financial adviser, connecting you with over 50 private lenders and major banks to secure the best financing options. They negotiate competitive terms, tailor loan solutions to your specific needs, streamline the loan application process, and provide expert guidance throughout the entire process—ensuring you get the optimal financial solution for your business growth.