Commercial Property Refinance Broker

Commercial refinancing replaces existing business or property loans with new facilities that may better fit the borrower's security, purpose, cash flow, or exit plan. Businesses and investors refinance to review pricing, access equity for business use, consolidate debt, manage maturity dates, or transition from restrictive bank facilities to more suitable alternatives. Emet assesses commercial and business-purpose debt; residential security does not make a consumer home-loan refinance part of this service.

Refinancing structures include rate-and-term refinances reviewing the current loan amount, pricing and repayment structure, cash-out refinances releasing equity for business use, and debt consolidation refinances combining multiple facilities. Residential or commercial property may support an eligible business-purpose refinance, while other business assets may support some commercial facilities. Compare any potential savings with discharge, break, establishment, valuation and legal costs. Repayment terms range from short-term facilities to long-term mortgages depending on purpose and security type.

A commercial refinance is strongest when the file explains the current debt, the reason for change, the available security, and the exit plan before a lender has to ask. If a previous lender declined the deal, the first step is to identify whether the issue was policy fit, valuation, lease profile, tax debt, repayment evidence, conduct, or timing.

For a deeper worked guide, see commercial property refinance after a bank decline.

These structures can all release or protect capital, but they solve different problems. The decision should be based on the current first mortgage, the deadline, total cost, desired hold period, and the evidence supporting repayment.

A bank rejection can happen because the property, income, lease profile, loan size, timing, or borrower structure does not fit that lender's policy. That does not automatically mean the refinance is impossible, but the file needs a clear diagnosis before it is resubmitted.

Emet Capital helps borrowers compare direct refinance, non-bank refinance, private lending, and bridge-to-refinance pathways. The right option depends on security, valuation, exit, conduct, and whether the issue is temporary or structural.

Refinancing serves business owners, property investors, commercial property owners, and companies seeking better loan terms or accessing equity. Borrowers approaching loan maturity, experiencing improved financial positions, or requiring capital for expansion benefit from refinancing solutions. Investment property owners managing portfolio debt, SMEs requiring working capital, and businesses transitioning from bank to non-bank facilities utilize refinancing to optimize financial structures.

This is commercial and business-purpose lending only—no consumer finance is provided. Borrowers require appropriate business structures (ABN/ACN), demonstrated servicing capacity, and typically commercial or investment property as security. Both established businesses and growth-stage companies benefit from refinancing solutions tailored to commercial lending requirements and strategic financial objectives.

As commercial finance brokers, we provide access to over 50 lenders nationwide, including major banks, specialist commercial lenders, and alternative funders. Our lender relationships encompass traditional institutions and non-bank alternatives specializing in commercial property and business lending. We match clients with lenders offering appropriate refinancing structures, competitive pricing, and terms aligned with business objectives and property portfolios.

We guide clients through refinancing assessment, lender comparison, and application processes. Our expertise includes analysing exit costs versus refinancing benefits, coordinating valuations, and structuring arrangements that fit the commercial objective. We focus on lender fit and file quality rather than promising outcomes, especially where the borrower is recovering from a decline or refinancing out of short-term debt.

Eligibility requires business purpose (no consumer lending), appropriate business structure (ABN/ACN), demonstrated capacity to service refinanced debt, and typically commercial or investment property as security. Documentation includes business financial statements, existing loan details, and property valuations. Security requirements vary by lender and refinancing purpose, from straightforward property security to comprehensive business asset arrangements.

To proceed, contact our team for a refinancing assessment. We'll evaluate your existing loans, financial position, and objectives to identify optimal refinancing solutions. Our process includes benefit analysis, lender recommendation, and guidance through to settlement and loan replacement.