Reference library
Commercial Property Finance Guides
In-depth, lender-aware reference guides on Australian commercial property finance — written for sophisticated borrowers, investors, developers, SMSF trustees and their advisers.
200+ lenders
On panel
25+ years
In commercial finance
ACL 502091
Australian Credit Licence
ABN 91 135 045 340
Registered broker
Pillar guides
The definitive references
SMSF Commercial Property Loans: The Definitive Australian Guide
How SMSF commercial property lending actually works in Australia — LRBA structure, Business Real Property test, lender assessment, deal structures, compliance and the mistakes that cost trustees real money.
Commercial Property Development Finance: The Definitive Australian Guide
How commercial property development finance actually works in Australia — capital stack, lender assessment, feasibility metrics, LVR/LTC/LTGV, bank versus non-bank, construction mechanics, exit strategy and the deal-killer mistakes.
How to Refinance a Commercial Property Loan in Australia
A practical, lender-aware guide to refinancing commercial property debt in Australia — when refinance makes sense, the triggers that drive it, lender re-assessment mechanics, cash-out, structure changes, costs and the timeline that actually works.
Commercial Loan Documentation Requirements: The Complete Australian Guide
What Australian commercial lenders actually require — the four documentation lanes (Full Doc, Low Doc, Lease Doc, Asset Lend), entity-specific requirements, common red flags and a complete pre-submission checklist.
Bank vs Non-Bank Commercial Property Loans: Choosing the Right Lane
How to choose between bank and non-bank lenders for an Australian commercial property loan — the structural differences, pricing gap, LVR and policy, speed, covenant flexibility, when each lane is the right answer, and the role of private credit.
Commercial Property Valuation Explained: The Australian Lender's View
How commercial property valuations actually work in Australia — the three valuation methodologies, cap rate mechanics, lease quality and WALE impact, industrial vs office vs retail nuance, lender versus market valuation, and how to manage a valuation shortfall.
Commercial Loan Interest Rates in Australia: The Pricing Framework
How Australian commercial property loan interest rates are actually constructed — the funding cost, credit margin, capital cost and target return stack; the bank versus non-bank rate gap; what moves your rate up or down; fixed versus variable; and the framework for negotiating pricing on any commercial deal.
First Commercial Property: A Residential Investor's Transition Guide
A framework for experienced residential property investors transitioning into commercial — the structural differences in yield, valuation, financing, tenant risk and lender posture; the capital stack changes; how to source and assess your first commercial deal; and the transition mistakes that consistently catch residential-trained investors.