Stop Paying Rent on
Your Business Premises
Commercial property loans for SME owners and investors - structured by brokers who know the difference. Access 40+ lenders, from major banks to SMSF specialists.
No obligation · Response within 4 business hours
Commercial Lending Is Not a Residential Loan With a Bigger Number
Most mortgage brokers were trained on home loans. Commercial property is a fundamentally different product - different assessment criteria, different lender panels, different deal structures, and very different consequences for getting it wrong.
Commercial property borrowers deserve a broker who has read the credit policy, knows which lender fits which deal, and structures your finance before the application - not after. That's what Broker360 does.
What happens with the wrong broker
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01
Hidden fees at the finish line Quoted a rate without being told about the $25,000 establishment fee sitting behind it.
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02
Wrong lender, wrong outcome Application sent to a lender with no appetite for your property type - and declined without explanation.
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03
Valuation shortfall, no plan B The valuation comes in short and nobody warned you it might - or had a contingency ready.
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04
IO expiry - no warning Your interest-only period lapses and nobody was watching. You're forced into P&I at the worst possible time.
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05
90 days wasted, start again Months in limbo, a credit enquiry on your file, and back to square one with no clear path forward.
Two Types of Borrowers. One Specialist Broker.
SME Owner-Occupier
You're running a business and paying rent
Every month, you're building someone else's equity. You've thought about buying your premises - maybe even looked at properties - but commercial finance felt complicated and you didn't know where to start.
We can help if
- Your business has been operating for 2+ years
- You're ready to buy or actively looking at properties
- You want to explore whether your SMSF could buy the property
Commercial Property Investor
You're building a commercial property portfolio
You know commercial delivers better yields, longer leases, and a different investment dynamic. But the lending criteria are tighter, the panel is smaller, and one bad structure decision can cost you hundreds of thousands.
We can help if
- You're purchasing or refinancing a commercial investment property
- You have an existing portfolio and need to release equity
- Your lease is within 12 months of expiry and you need a plan
Commercial Finance, Simplified
From your first call to settlement, we manage every stage - so you can focus on your business and your investment decisions.
Free Assessment
Tell us about your property, your business, your entity structure, and your goals. We'll tell you which lenders will look at it, what LVR to expect, and what the deal is likely to cost - before you spend a dollar on valuations.
20 minutesLender Matching
We match your deal to the right lender from our panel of 40+. Not the closest fit - the right fit. We consider rate, fees, IO availability, LVR, and lender risk appetite for your property type and location.
2–3 daysApplication & Approval
We prepare the application, write the broker cover letter, and manage the credit process. We handle the queries, chase the valuer, and keep you updated - without you needing to understand every piece of lender policy.
2–4 weeksSettlement
We coordinate with your solicitor, the lender, and any third parties - including your SMSF trustee and bare trust solicitor - to reach settlement cleanly. Standard commercial: 6–10 weeks. SMSF: 10–14 weeks.
From 30 daysReady to start? Your free assessment takes 20 minutes and carries no obligation.
Book My Free AssessmentThe full spectrum of
commercial finance.
From first purchase to complex multi-security structures - if it's commercial, we know the lender for it.
Owner-Occupier Loans
Buy your business premises. We model the deal against your business cash flow - not just the property's rent - to maximise your approved LVR. The right structure from day one means better terms and fewer surprises at renewal.
LVR up to 75–80% with strong financials
Commercial Investment Loans
Full-doc and lease-doc options for industrial, retail, office, and mixed-use properties. We assess WALE and tenant covenant to maximise your LVR. One application, prepared correctly, lodged once.
Lease-doc to 65–70% · No financials required
Low Doc Commercial Loans
For self-employed borrowers where tax returns don't reflect real income. BAS, accountant letter, or bank statement income verification accepted. We find the lender whose policy fits your situation - not the other way around.
LVR 60–80% · Loans from $200K to $5M+
SMSF Commercial Property Loans
Buy commercial property - including your own business premises - through your SMSF. We coordinate the bare trust, LRBA structure, accountant, and lender from day one so nothing falls through the cracks.
LVR 60–70% · Lease to your own business allowed
Commercial Refinance
Rolling off a fixed rate? IO period ending? Equity sitting idle? We benchmark your current deal against the market and restructure where it's worth it - and tell you plainly when it isn't.
Rate review · Equity release · IO extensions
Complex & Multi-Security Structures
Blended residential/commercial security. Cross-collateralisation strategies. Multiple entity structures. If a deal looks complicated, we move toward it - not away from it.
Trusts · Companies · Multiple securitiesNot sure which product fits your situation? A free 20-minute conversation will tell you exactly where you stand.
We Cover the Full Spectrum of Commercial Finance
From first purchase to complex multi-security structures - if it's commercial, we know the lender for it.
Owner-Occupier Loans
Buy your business premises. We model the deal against your business cash flow - not just the property's rent - to maximise your approved LVR.
Commercial Investment Loans
Full-doc and lease-doc options for industrial, retail, office, and mixed-use properties. We assess WALE and tenant covenant to maximise LVR.
Low Doc Commercial Loans
For self-employed borrowers where tax returns don't reflect real income. BAS, accountant letter, or bank statement income verification accepted.
SMSF Commercial Property Loans
Buy commercial property - including your own business premises - through your SMSF. We coordinate the bare trust, LRBA structure, accountant, and lender from day one.
Commercial Refinance
Rolling off a fixed rate? IO period ending? Equity sitting idle? We benchmark your current deal against the market and restructure where it's worth it.
Complex & Multi-Security Structures
Blended residential/commercial security. Cross-collateralisation strategies. Multiple entity structures. If a deal is complex, we move toward it - not away from it.
What Separates a Commercial Specialist from a General Broker
Commercial is not a niche add-on for us. It's the only thing we do - which means we know the credit policies, the lender appetites, and the deal structures that most brokers have never encountered.
Talk to a SpecialistWe only do commercial
Residential mortgage brokers who "also do commercial" don't have the lender relationships, credit policy depth, or deal experience that commercial property demands. This is all we do.
Panel of 40+ commercial lenders
Major banks (ANZ, NAB, Westpac, CBA), non-bank specialists (Thinktank, La Trobe, Liberty, Pepper, Resimac), and private funders. We choose based on your deal - not on trail commission.
We read the policy before you pay the valuer
The most expensive mistake in commercial finance is ordering a $4,000 valuation for a deal that was never going to be approved. We know which lender fits your deal before we lodge anything.
Transparent costs, no surprises
We tell you every cost before you commit - establishment fees, valuation, legal, and yes, broker commission. No surprises at settlement, no hidden add-ons, no fine print.
SMSF specialists on staff
Not every broker can navigate a bare trust, a liquidity requirement, and a sole purpose test in the same conversation. Ours can - and we coordinate with your accountant and SMSF lawyer from day one.
Questions Commercial Borrowers Actually Ask
No jargon. No deflection. Just clear answers to the questions we hear every week from SME owners and investors.
Speak to a specialistPossibly yes. Rejections often happen because the wrong lender was approached for the deal type, or because the application wasn't framed correctly. We review declined applications regularly and find a viable path forward in more cases than clients expect.
Tell us what happened - which lender, what the decline reason was, and when it occurred. We'll give you an honest assessment within 4 business hours.
Not always. Owner-occupiers with strong financials can access up to 75–80% LVR - meaning a 20–25% deposit. Investors with quality leases and solid documentation regularly achieve 65–70% LVR. A small number of lenders go to 80% on sub-$1M deals.
LVR depends heavily on property type, location, tenant strength, and your financial profile. We tell you what's achievable before you commit to anything.
Standard commercial: 6–10 weeks from application to settlement. SMSF commercial: 10–14 weeks, given the additional bare trust and compliance documentation required.
We've settled in 30 days where the deal was clean and documents were ready. Timeline depends heavily on how quickly documentation is provided and queries answered. We stay on top of it so you don't have to.
For standard commercial transactions, we are paid by the lender via upfront and trail commission. You do not pay a broker fee. We disclose our commission to you before lodging - no hidden payments, no undisclosed arrangements.
Some complex deals (particularly SMSF structuring with multiple professional engagements) may attract a broker coordination fee. We tell you upfront if that applies before you commit.
Yes. Using residential equity to cross-support a commercial deal is a legitimate and commonly used strategy - it can unlock higher effective LVRs or reduce the deposit required on the commercial property.
We structure these carefully to avoid over-collateralising your residential assets. The goal is to give the lender enough comfort while preserving your flexibility for future transactions.
It does. Lenders want to see a remaining WALE (Weighted Average Lease Expiry) of at least 2–3 years for investment deals. A lease expiring in 6 months signals vacancy risk at rollover.
Your options: negotiate an early renewal with the tenant before lodging, accept a lower LVR and plan for a refinance post-renewal, or market the property for a new tenant if the current one isn't staying. We help you plan the finance strategy around the lease - not the other way around.
Yes - and this is one of the most tax-efficient strategies available to Australian business owners. Your SMSF purchases the commercial property via a Limited Recourse Borrowing Arrangement (LRBA) and your business leases it back at market rent.
The rent is deductible for your business and taxed at only 15% inside the super fund - compared to your marginal income tax rate. The property must be used strictly for business purposes, the lease must be at market rate, and all dealings must be documented as arm's-length transactions. We coordinate the entire structure with your accountant and SMSF lawyer.
Your Business Premises or Investment Property - Let's Structure It Properly
Commercial property finance is not a transaction. It's a structure, a strategy, and a relationship. The difference between the right broker and the wrong one can be $50,000 in unnecessary fees, 12 months of delays, or a loan structure that limits your options in five years.