Banks See Risk. We See Property.
Development finance, commercial property loans, private lending, caveat loans — property-secured finance for Australian business owners when banks say no.
Five ways to put property to work.
Pick a product to see how it works — or click through to the full page.
Low Doc & No Doc
Commercial Loans
Most commercial property loans require full financials — two years of tax returns, audited profit & loss statements, and detailed balance sheets. For self-employed business owners, that's often the problem. Income fluctuates. Structures change. The paperwork doesn't always tell the full story.
Low doc commercial lending uses alternative documentation — BAS statements, accountant letters, or bank statement analysis — to verify income without the conventional paper trail. No doc pathways go further, relying almost entirely on property equity and exit strategy.
Whether you need a commercial property loan, investment refinance, or business loan secured against property, the right doc pathway means the difference between approval and rejection.
- 2 years tax returns + financials
- Standard bank or non-bank assessment
- Lowest rates available
- BAS, accountant letter, or bank statements
- Self-employed for 12+ months with ABN
- Non-bank and select bank pathways
- Equity and exit strategy assessed
- Minimal income verification
- Private lender and specialist pathways
SMSF Commercial Property
& Specialist Lending
Self-managed super funds can borrow to purchase commercial property — but only through a limited borrowing arrangement (LBAR) held in a bare trust. The structure is rigid, the lender panel is narrow, and most brokers don't touch it.
Switchboard works with lenders who specialise in SMSF commercial property loans. We structure the application around trustee capacity, fund balance, and property type — not just personal income.
Current commercial property loan interest rates in Australia vary by lender, LVR, and documentation type. SMSF facilities typically sit between 6.5% and 8.5% p.a. on variable terms, with max LVRs around 70% for commercial and 80% for residential held in super.
Property finance,
explained.
How it works
in practice.
Three real deal structures — each solved a different problem. Click to see how we got there.
Sarah runs a small residential building company. She wanted to develop 4 townhouses on a site she'd acquired in Melbourne's west. Her bank said no — income was variable across years, and they couldn't service the debt conventionally. Switchboard matched her to a non-bank senior debt facility at 70% LTC, assessed on the project's feasibility and exit, not personal income. Settled in 3 weeks.
Marco owns a warehouse and imports building materials. A supplier offered a $200K stock deal — but only if he could move this week. His bank needed 6 weeks for a commercial loan assessment. Switchboard placed a caveat loan against the warehouse for bridge funding, then refinanced to a commercial property loan at a lower rate within 30 days.
James is a property investor with 3 rentals — all fully serviced but maxed out across ANZ and CBA. He needed $800K for his next acquisition and no bank would look at it. Switchboard matched him to a private lender who assessed the deal on rental income and cross-collateralised equity across the portfolio. No BAS required. Settled in 14 days.
Property finance
FAQs.
Common questions from business owners exploring property-secured lending options.
Property-secured finance,
structured by a specialist.
No credit check to enquire. No obligation. Just a conversation with a broker who understands property.