Commercial Loans



Refinanced in North Sydney

Mortgage Managed Commercial Property Loans:

These are facilities with a Non-Bank entity which is owned by one of the Second Tier Banks. This company commenced operations in the 1800s and is just a little younger than Westpac making it the second oldest finance entity in Australia.



Loans we have recently written:

Heritage listed building in Maitland $1.124M (Lease Doc)

Suburban supermarket Sunshine  VIC $3.315 million

Strip shops in Footscray  VIC  $2.15m. (Lease Doc)

Coffee shop in East Perth WA $260k (Self Certified program)

Block of 8 units in Belmont  WA $1.2 million

4 Residential units for investor in Melbourne  $1 million

Loan sizes are a minimum of $100,000.00 to maximum of $30,000,000.00.

We do not require updated financials whilst loans are maintained in good order. This for all commercial loans.

We offer 3 distinct loan types;

  • Full Doc Loans                    from     4.79%     0.50% Establishment Fee

  • Lease Doc Loans                from     4.79%     0.50% Establishment Fee

  • add 0.10% for Interest Only facilities

  • Self Certified loans            from     6.95%  –  1.00% Establishment Fee  – 1% Security Fee

Rates are subject to change without notice. Please call or email for up to date rates. Rates applicable as at 1st July 2018.

Please note that the original signed application, privacy form and Letter of Offer need to be returned to us prior to settlement.

The differences when comparing with the main bank offerings are:

  • Revaluations may be required after 7 years

  • NO updated financials required (unless specified in the Letter of Offer) or loan is out of order

  • Servicing is 1:1 for Principle and Interest Loans and 1.25:1 for an Interest Only Loan with rates fixed for 2 years or more. Servicing does carry an interest rate loading (3%) for shorter Variable Rate loan terms.

  • Loan term to a maximum of 20 years (Full Doc) and 20 years Lease Doc (up to 7 year Interest Only period).

  • NO ongoing Fees and Charges.


We also have loans for those who wish to buy commercial property who do not have immaculate credit history. This is up to 70% LVR at the current time and the rate is higher than our other products