Commercial Property Refinancing in Australia
Better Terms & Lower Rates – Led by 5-Star Experts
Why VOXFIN for Refinancing
High
Leverage
Borrow up to 80% LVR and maximise your liquidity.
No Doc
Refinance
12 months of statements showing no late repayments on the existing commercial loans.
Maximum Flexibility
Loan terms available up to 30 years + options for no annual reviews.
Satisfactory Credit Check
Your cash flow is considered, not your past mistakes.
- Improve your cash flow significantly – Reduce ongoing costs and free up capital for expansion.
- Secure lower interest rates – Get a commercial loan that supports long-term financial stability.
- Unlock equity – Access funds for strategic growth opportunities.
- Strategic loan restructuring – It is not just about lower rates – it is about strengthening your financial position.
With commercial property refinancing, you can transform your business. Wonder what the real benefits?
Do you know what is the best part? Getting approved is simple!
Yes, with VOXFIN, all you need is 12 months of statements showing no late payments on the existing commercial loan facility, along with a good credit score.
- 5-star rated for commercial loan restructuring expertise
- Extensive experience in complex commercial scenarios
- Smarter, lower-cost commercial property refinancing solutions
We Help You Find You a More Sustainable,
Cash-flow-friendly Structure.
Let’s Talk to Compare Refinance Rates!
Most Common Reasons Why Businesses and Investors Choose to Refinance
- To slash interest rates and lower monthly repayments
- To access better loan terms or longer amortisation periods
- To switch from a restrictive lender to a flexible commercial lender
- To release equity to fund new equipment, business growth, or additional properties
- To improve cash flow, borrowing power, and loan visibility
We Act Quickly and Promptly Because We Understand Your Urgency
Lowest Interest Rates
- Access competitive commercial refinancing rates
- Reduce monthly repayments and improve cash flow
- VOXFIN negotiates the best pricing across 40+ lenders
Commercial Equity Loans
- Unlock equity from your commercial property
- Use funds for expansion, upgrades, or investments
- Flexible solutions for SMEs, investors, and owners alike
Low Doc Commercial Loans
- Ideal for self-employed borrowers with limited paperwork
- Simplified income verification and flexible criteria
- Multiple low-doc lenders for fast approvals
Maximum Loan Terms
- Loan terms available up to 30 years
- Options with no annual reviews
- Borrow up to 80% LVR, depending on the lender
Learn what will genuinely benefit your business and what structure will deliver the strongest outcome.
Contact VOXFIN for a FREE commercial loan health check!
For commercial property refinancing, consider the following points
Before obtaining a commercial property loan, it’s crucial to consider several key factors to ensure you make informed decisions aligned with your business goals and financial situation. Here are some essential considerations:
Financial Health
Analyze the projected sales, profitability and cash flow of your business. then Lenders will evaluate the financial health of your business to determine loan eligibility and terms.
Loan Amount
Ascertain the amount of funding required for the project or purchase of commercial real estate. Think about things like closing expenses, down payment, property valuation, and any extra money needed for maintenance or renovations.
Property Analysis
Make a detailed study of the business property you plan to buy. Examine elements like market demand, property condition, and location.
Commercial loan structure
Loan Options
Discover various commercial property loans like mortgages, construction loans, bridge loans, and equity loans. Understand budgets, interest rates, terms, repayment plans, and lender eligibility criteria for selecting the best solution.
Interest Rates
Consider possible interest rate which lenders provide, and decide whether to choose fixed rate or variable rate loans depending on the level of risk and other goals. Think about how changes in interest rates will affect monthly instalments and total loan charges.
Loan Terms
Check loan terms, including recoverable period, repayment period, and fees. Longer loan terms may result in lower monthly payments but may increase long-term interest rates. Compare costs and benefits based on your company’s needs.
Eligibility and additional features
Eligibility Requirements
Understand lender’s eligibility criteria such as credit score, debt-to-income ratio, business financials, property appraisal.
Repayment Structure
Determine repayment structure whether it is a traditional amortizing or interest-only loan. Consider monthly payments and long-term impact on cash flow and profitability.
When Is the Right Time to Refinance a Commercial Property?
Why miss an opportunity just because you haven’t reviewed your commercial loan frequently enough? Here is when refinancing your commercial property will be a smart move –
- Your current rate is no longer competitive
- Your property value has increased
- You are facing cash-flow pressure or rising repayments
- Your lender is tightening policies or withdrawing products
- You’re looking to exit a fixed-term contract or restrictive loan structure
- You need to release equity for expansion or investments
Stop settling for your bank’s terms.
Our 5-star refinance specialists handle complex restructuring.
Frequently Asked Questions (FAQs)
Questions and queries related to Commercial Property Refinancing
WHAT IS COMMERCIAL PROPERTY REFINANCING?
Commercial property refinancing involves replacing your existing commercial mortgage with a new loan, often to take advantage of better terms, lower interest rates, or to access equity.
WHY SHOULD I CONSIDER REFINANCING MY COMMERCIAL PROPERTY?
- Lower Interest Rates: Refinancing can secure a lower interest rate, reducing monthly payments and overall interest costs.
- Improved Loan Terms: You may be able to negotiate more favorable loan terms, such as a longer repayment period or interest-only payments.
- Access Equity: Refinancing allows you to tap into the equity of your property to fund business expansion, renovations, or other investments.
- Consolidate Debt: Combining multiple loans into a single, more manageable loan can simplify finances and reduce administrative costs.
HOW DO I KNOW IF REFINANCING IS RIGHT FOR ME?
Consider refinancing if:
- Current interest rates are significantly lower than your existing rate.
- You need access to cash for business purposes.
- Your property has significantly appreciated in value.
- Your financial situation has improved, allowing you to qualify for better terms.
WHAT ARE THE COSTS INVOLVED IN REFINANCING?
- Application Fees: Charges for processing your refinancing application.
- Appraisal Fees: Costs for a professional appraisal to determine the current value of your property.
- Legal Fees: Fees for legal services related to the new loan agreement.
- Exit Fees: Potential penalties for paying off your current loan early.
- Other Fees: Additional costs such as title insurance, recording fees, and possible new lender fees.
WHAT DOCUMENTS ARE REQUIRED FOR REFINANCING A COMMERCIAL PROPERTY?
- Current Loan Details: Information about your existing mortgage.
- Financial Statements: Recent financial statements, including income and expense reports.
- Appraisal Report: An updated property appraisal.
- Business Plan: Details of your business operations and future plans.
- Tax Returns: Recent business and personal tax returns.
- Lease Agreements: Copies of current lease agreements if the property is leased out.
CAN I GET A LOW DOC COMMERCIAL PROPERTY REFINANCE?
Yes, at VOXFIN, we offer low doc commercial property refinancing options that allow self-employed owners in Melbourne to switch lenders using bank statements instead of full tax returns.
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CAN I REFINANCE IF MY PROPERTY VALUE HAS DECREASED?
Refinancing may still be possible, but it could be more challenging. Lenders typically require a certain loan-to-value ratio (LVR), and a decreased property value might affect this ratio. Consulting with a mortgage broker or financial advisor can help determine your options.
HOW DOES THE REFINANCING PROCESS WORK?
- Evaluate Your Current Loan: Assess your existing loan terms, interest rate, and remaining balance.
- Research Lenders: Compare lenders to find the best refinancing terms.
- Application: Submit your application along with required documents.
- Appraisal and Underwriting: The lender will appraise your property and review your financials.
- Approval and Closing: Once approved, you’ll sign the new loan documents, and the old loan will be paid off with the new loan funds.
HOW LONG DOES THE REFINANCING PROCESS TAKE?
The refinancing process typically takes 30 to 60 days from application to closing. This timeline can vary based on lender efficiency, the complexity of your financials, and the completeness of your application.
WHAT ARE THE RISKS OF REFINANCING A COMMERCIAL PROPERTY?
- Fees and Costs: Upfront costs can be significant, and it may take time to recoup these expenses through lower payments.
- Interest Rate Fluctuations: If refinancing to a variable rate loan, future rate increases can affect your payments.
- Extended Loan Term: While extending the loan term can lower monthly payments, it may increase the total interest paid over the life of the loan.
- Credit Impact: Applying for refinancing can affect your credit score due to the hard inquiry and potential changes in your debt levels.
HOW CAN A MORTGAGE BROKER ASSIST WITH REFINANCING?
Specialist Commercial property refinancing mortgage brokers at VOXFIN can help you navigate the refinancing process, compare loan options from different lenders, and negotiate terms on your behalf. We’ll also provide valuable guidance on whether refinancing is a good financial move for your specific situation.
For personalised advice and assistance with commercial property refinancing, consider consulting a financial advisor and an accountant.
HOW MUCH EQUITY CAN I CASH OUT WHEN REFINANCING?
CAN I REFINANCE MY COMMERCIAL PROPERTY IF I HAVE A BAD CREDIT SCORE?
Absolutely. VOXFIN specialises in commercial property refinancing in Melbourne for borrowers with credit defaults or impaired scores, helping you move to a more flexible and affordable lender.
Why choose us?
We understand the importance of earning your trust in the guidance provided by the expert commercial property refinancing broker at VOXFIN. We can assist you with all types of commercial property refinancing as well as all other financial lending needs, such as home loans, refinancing home loans, car loans, commercial loans, and insurance.
Additionally, we can assist with organising financing to start or grow your business and fund your assets.
Expert commercial property refinancing mortgage brokers at VOXFIN are here to help you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.
We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate and the most appropriate home loan structure to grow your property portfolio.
Get a Free Consultation
info@voxfin.com.au
03 70652000|0435 393 623
We can simplify commercial property refinancing for businesses.
Expert refinance commercial mortgage brokers will provide tailored, personalised commercial property loan restructuring options with lower interest rates for commercial refinance with low-doc, full-doc options. You’ll work with the best commercial property refinance brokers in Australia. We work hard for you with honesty, transparency and genuineness so that we can build a long-lasting professional relationship.
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