Access funding structures that reflect real business conditions, with flexible lending options and strategic guidance built around growth and long-term financial positioning.
Access to commercial funding in Australia has evolved significantly over the past decade, with over $120 billion in commercial property lending issued annually. Lenders are now far more selective, especially in Melbourne’s competitive property market. We work closely with you to navigate this complexity, aligning funding structures with your business cash flow, asset strategy, and long-term investment goals, without unnecessary delays or rigid lending criteria.
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Understand how much you can borrow
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Settlement support
We're with you all the way to the keys
We understand your business goals, whether it’s acquisition, expansion, or investment.
We review your business performance and assess your borrowing capacity accordingly.
Our mortgage brokers identify lenders from our expansive network and tailor a solution aligned to your current situation.
Right from negotiations, application, and approval, we offer end-to-end management of your loan.
Finally, we help secure the funding and offer ongoing support as your business grows.
We work with an extensive panel of Australia's leading banks and non-bank lenders to find you the right fit.
We’re not tied to one bank’s credit policy. That matters more than most people realise. Different lenders treat income types, expenses, and risk differently. We position your application where it’s most likely to succeed, not just where it’s easiest to submit.
Loan structure isn’t just about getting approved, it affects tax outcomes, cash flow, and future borrowing capacity. Whether it’s splitting loans, setting up offsets, or planning for future investments, our mortgage brokers in Melbourne look beyond the immediate purchase.
Most borrowers stay in the same loan for years without reviewing it but that’s usually not ideal. We check in post-settlement, review rates, and reassess your position as your circumstances change. Refinancing isn’t always necessary, but sometimes it makes a significant difference.
Working with a commercial mortgage broker in Melbourne tends to shift how your application is seen by lenders. Most businesses approach finance with partial information or generic submissions. That often leads to missed opportunities or stricter terms than necessary.
At Loan Studio, we step in earlier. As your commercial mortgage broker, we review serviceability, loan-to-value ratios, and industry-specific risks before anything goes to a lender. It is a bit more groundwork upfront, but it usually results in smoother approvals.
Melbourne’s commercial property market has held steady in key sectors like industrial and logistics, where demand continues to outpace supply. That affects how lenders assess risk. As your chosen commercial mortgage broker, we position your application in line with those trends. We deal directly with lenders to adjust rates, loan structures, and flexibility where possible. Over time, those small shifts can have a noticeable impact on total borrowing costs.
No matter where you are located, our brokers across Melbourne, Victoria, Queensland and Western Australia are ready to assist with practical mortgage advice.
When it comes to commercial loans, the real work is not sourcing loans, but structuring. Around 60% of SME loan applications in Australia face delays, often due to mismatched lender criteria or incomplete financials. That is where things tend to stall. As your commercial loan broker, we look at your numbers the way a lender would while considering cash flow consistency, debt coverage, asset backing. Then we decide where your application is most likely to land well.
Different lenders suit different situations. Some are better for property-backed lending, others for cash flow-based loans. Acting as your commercial finance broker, we match those variables early, minimising any potential delays. We leverage our extensive network of bank and specialist lenders, to identify options that align with your risk profile and funding objectives. In many cases, this approach helps avoid unnecessary back-and-forth and keeps the process moving at a steady pace.
A commercial property loan broker becomes particularly useful when the market is uneven. Melbourne’s commercial sector has seen industrial vacancy rates drop below 2%, while office and retail segments are still adjusting. Lenders respond differently to each of these conditions.
At Loan Studio, we look beyond the headline value of a property. Things like lease terms, tenant strength, and location trends carry weight. You might not see it upfront, but lenders factor these in heavily. Working as your commercial property loan broker, we shape your application so it aligns with those expectations. That might mean adjusting loan structures or choosing lenders who are more comfortable with your asset type.
Key areas we focus on include:
Get in touch with us today and streamline your commercial mortgage application.
A commercial mortgage broker works between you and lenders to structure and secure funding for business or property purposes. In Australia, each lender has slightly different criteria, which can make direct applications inconsistent. We assess your financial position, identify suitable lenders, and present your application in a way that aligns with their expectations. That usually leads to more efficient outcomes.
A commercial mortgage broker in Melbourne gives you access to more than one lending option, which can matter if your situation does not quite fit standard bank criteria. Instead of pushing your application through a single channel, we look at where it is more likely to be accepted. We also manage the process end-to-end, so you are not stuck dealing with repeated requests or avoidable delays.
A commercial loan broker improves your position by structuring the application correctly from the start. Many rejections happen because financials are not aligned with lender requirements. We adjust how your information is presented, ensuring it reflects serviceability and risk factors clearly. That tends to improve both approval speed and loan terms.
A commercial finance broker can arrange funding across commercial property loans, business lending, equipment finance, and refinancing. In Australia, businesses often need flexible structures rather than standard loans. We match those needs with lenders that can accommodate them, rather than trying to fit your situation into a rigid product.
A commercial property loan broker looks at income, credit profile, asset value, and lease arrangements where relevant. Lenders also assess loan-to-value ratios and industry exposure. We review these factors before submitting your application, which helps avoid unnecessary delays or rework later in the process.
A commercial lending broker helps structure finance for property investments in a way that supports long-term returns. We consider rental yield, asset performance, and market conditions. In Melbourne, where different sectors move at different speeds, this kind of insight can influence both loan approval and investment outcomes.
In many cases, yes. A commercial mortgage broker works with multiple lenders and negotiates terms directly. That can lead to more competitive rates or improved loan flexibility. It depends on the strength of the application, but having options usually puts you in a better position than approaching a single lender.
It depends on the deal, and there is always some variation. A commercial loan broker can speed things up by getting the paperwork and structure right before it reaches a lender, which is where delays usually happen. Straightforward applications might move within a few weeks, especially if everything is clear from the start. More complex deals, like those involving multiple properties or layered income, can take longer. In most cases, preparation upfront is what really sets the pace.
