5.0 from 33 Reviews
Whether you are buying commercial property, expanding your business, or investing in a new asset, commercial loans can open doors that might otherwise feel out of reach. At Balcombe Financial, we work with clients in Bayside, Victoria and across Australia to find commercial finance options that suit their circumstances and goals.
What Are Commercial Loans?
Commercial loans are a broad category of finance used to purchase, develop, or refinance properties and assets used for business purposes. Unlike standard home loans, commercial property loans are assessed differently by lenders, with factors such as the type of property, the strength of the business, rental income, and the commercial LVR all playing a role in how a loan is structured.
At Balcombe Financial, we help clients access commercial loan options from banks and lenders across Australia, which means we can compare a wide range of products to find something that fits your situation. Whether you need a secured commercial loan backed by property or an unsecured commercial loan for other business needs, we can help you understand what is available.
Types of Commercial Property We Can Help With
Commercial property finance covers a wide range of property types. If you are looking at an office building loan, warehouse financing, or retail property finance, the lending criteria and loan structure will vary depending on the asset. Similarly, if you want to buy an industrial property or buy commercial land, lenders will assess these differently to residential purchases.
Strata title commercial properties, such as individual office suites or retail shops within a larger complex, also have their own lending considerations. Balcombe Financial has experience working across these different property types and can help you understand what each lender is likely to look for.
Commercial Loan Options Worth Knowing About
There are several types of commercial loans that may be relevant depending on what you are trying to achieve. A commercial mortgage is the most common structure for buying commercial property, and it can come with either a variable interest rate or a fixed interest rate depending on your preference and the lender's offering. Some loans also include features like redraw, flexible repayment options, and flexible loan terms, which can make a real difference to your cash flow over time.
For those looking to build rather than buy, a commercial construction loan may be suitable. This type of finance often uses a progressive drawdown structure, where funds are released in stages as construction milestones are reached. For larger projects, commercial development finance or mezzanine financing may also be relevant, and Balcombe Financial can connect you with lenders who specialise in these areas. You can also learn more about our development finance services if your project involves a larger-scale-build.
If you already hold a commercial property loan and want to review your current rate or structure, a commercial loan refinance may be worth exploring. Commercial refinance can help you access better commercial interest rates, change your loan structure, or release equity for other purposes.
For businesses that need more flexibility in how they access funds, a revolving line of credit can be a useful tool. This allows you to draw down and repay funds as needed, using the facility as a form of working capital. Collateral is typically required for these types of facilities, and the amount available will depend on the value of the assets used to secure the loan.
Commercial Property Investment
Commercial property investment is an area of growing interest for many of our clients. Buying commercial property as an investment can offer longer lease terms and potentially higher yields compared to residential property, though the risks and lending requirements are also different. Balcombe Financial can help you understand how lenders assess commercial real estate financing for investment purposes, including how the loan amount, deposit requirements, and commercial LVR are calculated.
If you are considering an investment loan for a commercial asset, it is worth understanding how lenders view the income potential of the property and what documentation they typically require.
Equipment and Business Finance
Commercial loans are not limited to property. If you are expanding your business, buying new equipment, or upgrading existing equipment, there are finance options designed specifically for these purposes. Business property finance and equipment lending can be structured in different ways depending on the asset and the lender, and Balcombe Financial can help you explore what is available through our panel of lenders.
For self-employed clients or business owners who may not have traditional income documentation, options such as low doc loans or alt doc loans may also be worth considering alongside commercial finance products.
Why Work With Balcombe Financial?
Balcombe Financial is a commercial finance and mortgage broker that works with clients in Bayside, Victoria and across Australia. We take the time to understand your business, your property goals, and your financial position before recommending any course of action. Commercial lending can be complex, but having a broker who understands the market and has access to a wide panel of lenders makes a real difference.
We also assist clients with pre-settlement finance and commercial bridging finance for situations where timing is critical, such as when you need to secure a new property before an existing one settles. These short-term solutions can be structured to suit your timeline and circumstances.
If you are also looking at business loans for operational needs alongside your property finance, Balcombe Financial can help you look at both together to make sure your overall borrowing structure makes sense for your business.
Step 1: Initial Conversation
We start with a relaxed, no-obligation chat to understand your situation, your goals, and what you're looking to achieve. No paperwork, no pressure.
Step 2: Fact Find & Assessment
We take a closer look at your finances, including income, expenses, assets and liabilities, so we can understand your borrowing position and tailor our approach accordingly.
Step 3: Loan Strategy & Lender Selection
Drawing on our panel of over 40 lenders, we identify the most suitable options for your circumstances and present you with clear, comparable recommendations.
Step 4: Application Preparation
Once you're happy with the direction, we prepare and package your application thoroughly, making sure everything is in order before anything is submitted to a lender.
Step 5: Lodgement & Approval
We lodge your application and manage the process with the lender from start to finish, keeping you updated along the way so you're never left wondering what's happening.
Step 6: Formal Approval & Signing
Once your loan is formally approved, we walk you through the loan documents so you understand exactly what you're signing and what comes next.
Step 7: Settlement & Beyond
We stay with you through to settlement and beyond. Whether you have questions down the track or your circumstances change, we're always here to help.
Balcombe Financial has been absolutely helpful throughout the process of my construction loan. Amazingly proffesional and responsive. Michael is full of knowledge and knows his proffesion very well. Would highly recommend Balcombe Financial. Thank you Michael.
James O'Haire
We were extremely happy with the service and outcomes provided by Michael Flinos and Balcombe Financial. Michael gave us confidence early in the process as he worked with us to understand the complexity of our portfolio of loans. Michael then found solutions that best suited our needs, provided considerable savings and improved our flexibility. We are thrilled with the refinancing outcomes Michael enabled us to achieve and are we pleased to have Balcombe Financial as one of our trusted advisors. In addition to the excellent outcomes Michael was great to work with and helped us maintain momentum when the other challenges of life distracted us. In our next project with Balcombe Financial Michael is assisting us with a new project and our overall financing strategy. Very professional, client focussed, easy to work with and highly recommended.
Andrew O'Brien
Michael was fantastic to deal with and got my complicated financials sorted out and finance approved without any fuss. Would highly recommend.
Terry Wheeler
I have known Michael Flinos for more than a decade. Michael is a true Professional who is an authentic, subject matter expert in his domain and has great knowledge in the Financial services space and is extremely thorough and diligent. In all my dealings with Michael, I have been impressed with his knowledge, his ability to research products which are fit for purpose and his can do nature. He has a friendly and polite demeanor and is always prepared to go the extra nine yards to get the job done. I would not hesitate to recommend Michael's services to anyone who is looking for a commercially compelling solution to their requirements.
Bill Keramidas
The timeframe for a home loan application can vary depending on the lender, the complexity of your situation, and how quickly supporting documents are provided. In general, once a formal application is submitted, lenders may take anywhere from a few days to a few weeks to assess and provide a decision. At Balcombe Financial, we work to keep the process moving as efficiently as possible by preparing your application thoroughly from the start and staying in regular contact with the lender on your behalf. We will keep you updated throughout the process so you always know where things stand and what to expect next.
Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. At Balcombe Financial, we work with first home buyers regularly and understand the questions and concerns that come with the process. We take the time to explain how home loans work, what to expect at each stage, and what government grants or schemes you may be eligible to explore. We do not make assumptions about what you already know, and we are always happy to answer questions no matter how basic they may seem. Our aim is to make sure you feel prepared and supported.
A mortgage broker acts as the link between you and a range of lenders, including banks, credit unions, and non-bank lenders. Rather than you having to approach each lender individually, a mortgage broker does the legwork on your behalf. At Balcombe Financial, we take the time to understand your personal situation, your goals, and your financial position before researching loan options that may suit your needs. We handle the paperwork, communicate with lenders, and guide you through each step of the process. Our role is to make the home loan process more manageable and to help you feel informed and confident at every stage.
While the exact documents required can vary depending on your situation and the lender, there are some common items that most applications will require. These typically include proof of identity such as a passport or driver's licence, recent payslips or tax returns to confirm your income, bank statements showing your savings and expenses, and details of any existing debts or liabilities. If you are self-employed, you may need to provide additional documentation such as business financial statements or tax assessments. At Balcombe Financial, we will walk you through exactly what is needed for your specific application so you can gather everything in an organised way and avoid unnecessary delays.
Balcombe Financial assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed individuals. We also assist with commercial lending for business owners. Whether you are purchasing your first home, looking to grow a property portfolio, or exploring options for your business, we can help you understand what may be available to you. Every client's situation is different, so we always start with a conversation to understand your specific needs before exploring what options might be worth considering.
When you go directly to a bank, you only see the products that particular bank offers. At Balcombe Financial, we work with a wide range of lenders, which means we can present you with a broader selection of loan options to compare. We take the time to understand your circumstances and help you weigh up your choices in a way that makes sense for your situation. Beyond that, we handle much of the communication and administration involved in applying for a loan, which can save you a significant amount of time and effort. Our goal is to make sure you feel supported and well-informed throughout the entire process.
Not at all. While Balcombe Financial is based in Bayside, Victoria, we work with clients right across Australia. Thanks to phone, email, and video calls, we are able to provide the same level of personalised service to clients regardless of where they are located. Whether you are in regional Victoria, interstate, or anywhere else in the country, we are well-equipped to assist you with your lending needs. We believe that access to quality mortgage broking support should not be limited by geography, and we are committed to making ourselves available and accessible to clients no matter where they call home.
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, such as looking for a loan with different features, consolidating debt, or accessing equity in their property for renovations or other purposes. Whether refinancing makes sense for your situation depends on a number of factors, including your current loan terms, any fees involved in switching, and your financial goals. At Balcombe Financial, we can help you review your current loan and compare it against other options so you can make an informed decision. We will always be upfront about the costs and considerations involved.
A fixed rate home loan locks in your repayment amount for a set period, which means your repayments stay the same regardless of any changes in the broader lending environment during that time. This can make budgeting more predictable. A variable rate loan, on the other hand, can change over time in line with lender decisions, which means your repayments may go up or down. Some loans also offer a split option, where part of your loan is fixed and part is variable. Each option has its own advantages and trade-offs depending on your circumstances and priorities. At Balcombe Financial, we can help you understand the differences and think through which structure may suit your needs.
In most cases, our mortgage broking service comes at no direct cost to you as the client. Balcombe Financial is typically paid a commission by the lender once your loan settles. We are required by law to be transparent about how we are paid, and we will always disclose this information to you clearly before you proceed. This means you can access our knowledge, support, and lender connections without paying out of pocket for the service. If there are any situations where a fee may apply, we will always discuss this with you upfront so there are no surprises along the way.
If you are thinking about buying commercial property, refinancing an existing loan, or exploring commercial finance options for your business, Balcombe Financial is here to help. Book an appointment today and let us help you find a loan structure that works for your goals.
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