The Aussie Lending Lounge by Loans AU

Tag: CreditAssessment

  • Commercial Property Finance Made Easy — Partner with Loans AU Today

    Commercial Property Finance Made Easy — Partner with Loans AU Today

    Published by: The Aussie Lending Lounge by Loans AU

    Looking to secure a 🏢 commercial property in Australia?

    Whether you’re investing in a retail space, warehouse, office, or mixed-use asset, commercial lending can feel complex — but it doesn’t have to be.

    At Loans AU, we make the process easy, strategic, and results-focused 💼✨

    Here’s how we help you from day one to settlement — and beyond.

    📊 What Loan-to-Value Ratios (LVR) Can You Expect?

    ✅ Major Banks: Up to 65–70%
    ✅ Non-Bank Lenders: Up to 75%
    ✅ Private Lenders: Up to 80% (higher flexibility, higher cost)

    💡 Tip: If your valuation falls short, having extra funds available can be a deal-saver.

    🏢 Ownership Structures That Lenders Accept

    You can purchase under:

    • 👤 Your personal name
    • 🏢 A company
    • 🤝 A unit trust
    • 👨‍👩‍👧‍👦 A discretionary (family) trust

    Each structure affects:

    • 💰 Capital Gains Tax (CGT)
    • 🏠 Land tax thresholds
    • 💼 GST obligations

    📌 Trust setup? Allow 5–10 business days. Talk to your accountant early.

    🧮 How Do Lenders Assess Your Serviceability?

    Lenders want to know: Can you afford the loan? Here’s what they evaluate:

    • 📈 Business income and net profit (plus depreciation addbacks)
    • 💸 Existing loans and debts
    • 🧾 Living expenses (for individuals)
    • 📃 Proposed or current lease income
    • 📊 Financial strength of your entities

    🧠 Important: Give your broker a clear breakdown of your business or trust structure — including directors, beneficiaries, and ownership. The more accurate your information, the better we can position your application.

    👥 Build the Right Finance Team

    • 👨‍💼 Accountant: Provides clean, updated financials
    • ⚖️ Solicitor: Handles contract reviews, lease clauses, and negotiations
    • 🧑‍💼 Broker (Loans AU): Structures and presents your application to 100+ lenders

    ✅ Also have ready:

    • Loan contracts
    • Loan statements
    • Bank records
    • Lease proposals

    ⏳ These docs save time and reduce approval delays!

    🧾 Loan Types Available at Loans AU

    1️⃣ Full-Doc Loans – Tax returns & financials required
    2️⃣ Alt-Doc Loans – Use BAS, accountant letters, or bank statements
    3️⃣ Low-Doc Loans – Minimal paperwork, ideal for fast settlements

    💰 May 2025 Interest Rates & Loan Terms

    • Full-Doc: from 6.69% p.a.
    • Alt-Doc: 7.99%–9.99% p.a.
    • Private Lending: 10.5%–14% p.a.

    📆 Loan Terms: 1–25 years (some lenders offer up to 30 years)
    💳 Interest-Only: Up to 5 years available

    ⏱️ Application Timeline

    • 🏗️ Entity setup: 5–10 business days
    • ✅ Approval: 10–15 business days (banks), 3–7 days (non-banks)
    • 🏁 Valuation + settlement: 1–2 additional weeks

    📦 Most deals settle within 4–6 weeks. We can go faster with full docs on hand!

    🔐 Director’s Guarantee Required?

    If you’re buying through a company or trust, most lenders will request a director’s or personal guarantee. Be prepared ✅

    📋 What Documents Do You Need?

    • ✅ 2 years of business financials
    • ✅ Personal and business tax returns
    • ✅ BAS statements
    • ✅ Trust deed or company constitution
    • ✅ Proposed or existing lease
    • ✅ Bank statements
    • ✅ Loan contracts + statements
    • ✅ Statement of position
    • ✅ ID documents

    💡 A clean credit history + complete documents = faster approval 🚀

    🛠️ Post-Settlement: Maximise Your Property Value

    Once settled, it’s time to increase your asset’s value 🔧

    Work with commercial property experts to:

    • Boost 💸 rental income
    • Improve 📐 layout efficiency
    • Strengthen 📈 valuation per sqm
    • Prepare for future 💵 refinance or equity release

    🔁 This is a key step in maximising return — especially for resale or future loan top-ups.

    🤝 Why Choose Loans AU?

    At Loans AU, we do more than find you a lender:

    • ✅ Structure your deal the right way
    • ✅ Coordinate with your accountant and solicitor
    • ✅ Pre-empt valuation or funding shortfalls
    • ✅ Push deals through with urgency when needed
    • ✅ Support you through refinance or equity release later on

    📲 We’re available 24/7 via WhatsApp or KakaoTalk to help — every step of the way.

    🚀 Ready to Get Started?

    Let’s make it happen:

    🔗 Get Started: http://www.loansau.com/getstarted
    💬 WhatsApp Us: https://wa.me/61413360888
    🌐 Visit Website: http://www.loansau.com

    📌 Hashtags

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    #InvestmentReady | |

    Loans AU — Commercial Property Finance Made Easy. Results That Matter.