Specialist Accommodation Finance

Buying the place is the easy part. The money is the part nobody explains. Accommodation Finance for Motels, Caravan Parks, Pubs and Management Rights in Australia

The deposit is usually what stops people, and it's smaller than the price makes it look. Tell us the deal, we'll tell you what's actually fundable.

See How It Works ↓ Check Eligibility
60–70%
Freehold going concern
Toward 100%
With supporting security
$200K–$10M+
Deal size
Whole of market
Lender access
Switchboard Finance · Credit Representative 576702 · LMG Broker Services Pty Ltd · ACL 517192
Six doors, one yours

What are you financing?

Tap the one that fits.

01 Motels A business, a building, and usually a home. 60–70% LVR 02 Caravan & Holiday Parks Valued on what it earns, not the land. Income-led 03 Pubs & Hotels Gaming sets the ceiling. Up to ~70% 04 Management Rights The agreements, plus the manager's unit. Mostly QLD 05 Vendor Finance The seller leaves part of the price in. Seller-funded 06 Equity Release & Refinance Step back without selling up. No sale

Not sure? A quick call sorts it. Talk to a broker.

The deposit, explained

How the gap actually closes.

On a $1,000,000 purchase.

$700k
$300k
$700,000 · the loanWhat the business earns, not the asking price.
$300,000 · the gapCovered by equity in property you already own.

Same deposit, different structure, a completely different answer.

Try it yourself

How much do you actually need?

Drag the sliders. Watch what you'd really put in.

You bring $150,000 15% of the price
$1,000,000
$150,000
Your home or another property, used as supporting security. ← drag this one
The business supports $700,000
Your equity covers $150,000
You bring in cash $150,000

Indicative only. Real figures depend on the valuation and the lender.

That's the rule of thumb. Your deal is specific.

Give us the trading figures and we'll size the real one: loan, equity, and the cash you'd actually put in.

Talk to a broker
How deals come together

Four buyers. Four structures.

Illustrative, not specific outcomes. Yours will differ.

Sea-changer couple
Leaving the city for a coastal motel with a home attached.
~65%+ home equity
Enquiry Structured Settled
Freehold going concern
Experienced publican
Taking on a leasehold pub with gaming included.
~70%leasehold
Enquiry Lease & licence Settled
Deed of consent
Long-tenure owner
Stepping back for retirement without selling up.
Equityreleased
Enquiry Refinanced Capital out
No sale, keeps trading
Buyer and seller
The seller leaves part of the price in to close it.
Vendorcarry
Enquiry Consent secured Settled
Behind the senior lender
FAQ

Accommodation finance, answered.

Straight answers. Market ranges, not offers.

Lending to buy, refinance or step back from a motel, caravan park, pub, hotel or management rights business. It is commercial lending sized on the going concern, what the business earns, not the asking price.
Freehold motels and parks are usually 60% to 70% of the going concern valuation. Pubs turn on gaming: up to around 70% with it, closer to 50% without. Supporting security can lift you toward the full price.
A freehold going concern means you own the land and the business, so it gears higher and you keep the growth. A leasehold means you buy the business on a lease, gears lower, and the term is capped inside the lease.
Yes. Equity in your home or another property works as supporting security, lifting effective borrowing toward the full price. It is the main way buyers bridge the gap.
The seller leaves part of the price in, behind your main lender, usually 10% to 25%, interest only, repaid within a few years. The senior lender's consent to that is what makes it work.
Yes. Refinance the business to pull equity out while keeping the keys and the income, commonly for retirement, an estate, or a partner buyout.
Yes. That covers the caretaking and letting agreements plus the manager's unit, mostly in Queensland. How the application is presented matters.
No. Accommodation businesses need full financials and a business plan. This is going concern lending, not the low doc property lending used on standard homes and commercial property.
Still have questions? Talk to a broker or browse the full glossary.
Insights

Worth reading before you buy.

Commercial Property
Commercial Property Valuation: What Happens When It Is Under Contract?
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Second Mortgage vs Refinancing the First Loan: Which Is Better?
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Pre-Construction Development Finance: Funding the Site Before DA
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One-Doc Home Loans
One-Doc Home Loans for Self-Employed First-Home Buyers
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Property Finance
Property-Secured Finance by Speed: Your FY27 Options
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Buying, refinancing,
or stepping back?

No credit check to enquire. Tell us the asset and the situation, and we will tell you what is fundable, where the deposit lands, and which lenders fund it.

Get a Free Callback Check Eligibility →
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FBAA Member LMG Broker Services Pty Ltd · ACL 517192 Credit Rep 576702
General information only, not credit or financial advice. Switchboard Finance arranges secured business-purpose credit and does not arrange equity or financial products. Lending is subject to lender assessment, valuation and terms. Figures shown are market-standard ranges, not an offer of finance.

© 2026 Switchboard Finance · Credit Representative 576702 · LMG Broker Services Pty Ltd · ACL 517192

Preview footer; the live site footer is unchanged. General information only, not credit or financial advice. Switchboard Finance arranges secured, business-purpose credit and does not arrange equity or financial products.