We Guarantee to Better Your Current product..
How do we do this?
For over 30 years we have specialised in commercial property lending -including construction, and we understand while the best rate is important, it is not about the Interest Rate all the time in commercial borrowing. Terms and Fees make up important features of the best product for your commercial needs.
Relationships with the lender and a loan strategy that can mitigate problem areas are all important in packaging a commercial loan with the minimum of fuss.
We can arrange finance for up to 85% LVR and have listed our current best products below.
Tip: The Higher the LVR the higher the rate.
SOME COMMERCIAL PRODUCTS As at SEPTEMBER 26th, 2017
For loans less than $1 million.
- To borrow up to 80% LVR- you need only your latest BAS statement- no financials, from 5.5% p.a.
- To borrow up to 75% LVR, two years financials, from 4.94% p.a
- To borrow up to 70% LVR using residential securities for loans under $1 million, we offer no valuation fee for 4.29%p.a. fixed for three years
- To borrow up to 70% LVR, using residential securities and two years financials you can get 4.79% p.a.
For Loans between $1 million to $5 million:
- We currently are able to provide a FULL REBATE OF YOUR VALUATION COST. (This can save your business between $750-$2000)
- We can also obtain finance using your BAS and one other form of serviceability, bank trading statements.
- The effective rate to you is 4.4% p.a.
For Loans $5 million up to $100 million;
- We can go to an 85% LVR, using the 90 Day Bank bill rate over bills. For non recourse (non personal guarantee required) loans of this size, our lenders predominantly prefer income producing properties.
- Plus AAA have mandated by an overseas bank, who will only look at construction loans, residential or commercial where the gross realisation is greater than 80 million dollars.
List of Commercial Property types.
- Industrial Factories/ Commercial entities
- Factories/ Manufacturers/ Car Repairers
- Childcare Facilities
- Aged Care Facilities
- Hotels/ Motels/ Pubs (Please note lenders will service loans more easily if you or your tenant have had more than two years experience.
- Service Stations
- Restaurants/ Bars/ Cafes / Fruit & Veg shops.
- Retail Shops.
“John and the AAA team did a terrific job for my commercial refinance. The whole process was surprisingly easy and I am now paying a great rate- Michael Davies Architect/ Business Owner, SYDNEY CBD 2000.” (June 2017)
“The AAA team did an excellent job with my loan. As a small business owner, I have been able to trust the quality of service and outcomes every time I make contact with John Macalyk and his team.”- Charlie Deghaim Impressive Wardrobes. (September 2017)