If you are looking to purchase a commercial property, fund operating costs, purchase equipment to assist in the operational process, or are looking for any other major capital expenditure for your business, you can trust that APS Advisory Group’s specialised mortgage broking team will lead you to the best financial outcome for your commercial loan.
Through our knowledge and experience in the commercial space, our mortgage broking team will not only look to source the most suitable commercial loan with the most competitive interest rate, but also assist in building a strong case to present to your lender. This includes working with you to have your business plan in check and all other necessary documentation, such as proof of cash flow and revenue, ready to present to a given lender.
Our skills in working with lenders in a variety of banks and financial institutions’ credit departments gives us the confidence you need in our ability to present a specialised business case for your loan to be approved.
For the option of an indefinite renewal of your loan, we will need to discuss this at the start of the process to ensure that this can be offered by the bank or financial institution we choose to go with.
APS Advisory Group’s six tailored step process to get the commercial loan you want:
1. Research and Identify the right lender and product
We determine exactly how much you can borrow and identify the most competitive rates after carefully analysing all options from lenders.
2. Calculate the serviceability
We analyse and calculate all aspects to give a clear indication of what is involved with your loan: interest rate, monthly repayments, application fees, ongoing fees, loan features, loan terms, etc.
3. Complete all necessary application forms
We help you fill out the loan application and prepare all documents necessary to submit to the bank or financial institution for loan approval.
4. Collect the required documents
We look over the lender’s pre-approval and carefully review the loan agreement.
5. Guide through to settlement
We contact your conveyancer or solicitor to arrange a settlement date, and assist in signing all the documents involved including contracts and government mortgage documents.
6. Monitor the loan with regular reviews
We assist you shortly after your settlement to make sure that the loan repayments are being processed correctly, regularly keep in touch to make sure everything is running smoothly.
1. Research and Identify the right lender and product
We determine exactly how much you can borrow and identify the most competitive rates after carefully analysing all options from lenders.
2. Calculate the serviceability
We analyse and calculate all aspects to give a clear indication of what is involved with your loan: interest rate, monthly repayments, application fees, ongoing fees, loan features, loan terms, etc.
3. Complete all necessary application forms
We help you fill out the loan application and prepare all documents necessary to submit to the bank or financial institution for loan approval.
4. Collect the required documents
We look over the lender’s pre-approval and carefully review the loan agreement.
5. Guide through to settlement
We contact your conveyancer or solicitor to arrange a settlement date, and assist in signing all the documents involved including contracts and government mortgage documents.
6. Monitor the loan with regular reviews
We assist you shortly after your settlement to make sure that the loan repayments are being processed correctly, regularly keep in touch to make sure everything is running smoothly.