More than residential. Commercial LVRs are lower and vary by asset class, tenant and location. Using residential equity as supporting security is the most common way Gold Coast buyers close the gap.

Yes, through a limited recourse borrowing arrangement. Your fund buys business real property and can lease it back to your own business at market rent. It needs a specific loan product and a bare trust, so talk to us and your accountant before you sign a contract.

Longer than a home loan. Commercial valuations and credit assessment add time, and SMSF or development structures add more. Start the finance conversation before you go unconditional.

Often yes. Lease doc loans are assessed on the rental income from the property rather than your business financials, and low doc options exist for self-employed borrowers with a clean ATO position.

To improve cash flow, extend an expiring interest only period, consolidate several facilities into one, release equity, or simply because it’s never been tested against the market. A review costs nothing.

Because unlike a bank, we have access to a panel of lenders. Two lenders looking at the same warehouse will come back with very different terms, and your bank will only ever show you one of them.

Commercial facilities are shorter than home loans and come up for review or expiry well before they’re repaid. We diarise your dates and start the refinance conversation early, rather than at the deadline.