Commercial Loans
Commercial Property Refinance
Refinancing commercial property can free up cashflow, release equity or simply replace a facility that no longer fits how the business actually operates.
Commercial facilities are less standardised than residential loans, which means the terms you were offered three years ago may look quite different from what's available now. Refinancing can reduce your rate, extend or restructure the term, or release equity you've built up.
It's rarely just about the interest rate. The structure — whether it's interest only, principal and interest, fixed, variable or a split — often matters more to a business's cashflow than a few basis points. We look at the facility as a whole against how your business actually earns.
We also weigh the costs of switching: discharge fees, establishment fees, and any break costs on a fixed facility. A refinance only makes sense when the benefit clearly outweighs those costs, and we'll show you the arithmetic.
What we look after for you
Benchmarking your current facility against the market
Modelling rate and structure changes against your cashflow
Calculating the true cost of switching, including exit fees
Coordinating valuation, approval and settlement
Talk to a broker about this
Every situation is different. Tell us what you're trying to do and we'll come back with a straight answer — free, and with no obligation.