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How Loan-to-Value Ratios Work in Commercial Property Finance
In the Australian commercial property market, your Loan-to-Value Ratio (LVR) can make or break a deal. The first thing lenders look at when you apply for Commercial Property Loans is your LVR. This number affects your borrowing capacity, the interest rate you pay, and whether your application is approved. Many Australian commercial property investors and business owners, especially those new to the field, see LVR and move on. This is a huge mistake. Understanding and leveraging your LVR can save you money, increase the chances of your Commercial Property Loan application being approved, and create a stronger framework for your…
Real Estate and Commercial Lending in Melbourne: Trends & Tips
Melbourne is the 2nd largest city and a major economic engine that keeps attracting domestic & international investors across the commercial property sector. Melbourne, so far and for long, has been the most dynamic, influential and growing ecosystem for property in Australia. For this reason, commercial lending plays a very important role in enabling investment, acquisition and development. For developers and investors, access to commercial loans in Melbourne remains a critical factor in determining project feasibility, scale, and long-term returns. Let’s explore more in this blog about the current state of Melbourne’s real estate landscape, key trends for commercial lending,…
How to Choose Between Mortgage Refinancing and a New Home Loan in 2026
For Australian borrowers in 2026, deciding whether to refinance your current mortgage or take out a brand-new home loan will feel more personal and important than ever. Lending practices continue to shift, property values keep adjusting and interest rates have calmed only after several turbulent years. With all of this moving at once, it’s essential to choose the option that genuinely fits your goals. Whether you want to lower repayments, access equity, or reshape your investment portfolio, understanding the difference between refinancing and starting fresh is key. Considering current rates, policy changes and the costs of refinancing or taking out…
Difference between a Bank Loan & Broker-Assisted Loan (With Examples)
Living in Australia with everything considered is a big deal. Especially if you own a home or a car or an office. The question though is how do Aussies afford all this? Well, through smart Loan and investments. But again, how do Aussies choose between a Bank Loan and a Broker-Assisted Loan? Both options help you with finance but the outcomes can vary on a big level as they both work differently. Because there are so many lenders, products, and interest rates available, knowing the difference between a Bank Loan and a Broker-Assisted loan will enable you to select the…
Fixed vs Variable Home Loans: What Your Mortgage Broker Wants You to Know
Key Takeaways Fixed home loans offer stable, predictable repayments over a set term. Variable home loans offer flexibility and may allow you to benefit from falling interest rates. Your choice should reflect your risk tolerance, cash flow needs and long-term goals. Brokers help you weigh the pros and cons, including split loan options. Market trends, lender offers and personal circumstances all influence the right choice. ARG Finance mortgage brokers provide expert, tailored advice on which loan structure fits your situation. Introduction Choosing between a fixed and variable home loan can feel overwhelming. Many Australian borrowers worry about making the wrong…
How to Choose the Right Mortgage Broker in Australia: 7 Key Questions to Ask
Key Takeaways Not all mortgage brokers offer the same experience, expertise or lender access. Asking the right questions helps you choose a broker who aligns with your goals. A good broker offers a wide lender panel, not just a few banks. Transparency about fees and commissions builds trust. The right broker provides tailored advice and stays involved beyond settlement. Checking the broker’s qualifications ensures they meet regulatory standards. Introduction With thousands of mortgage brokers operating across Australia, how do you know which one is the right fit for you? Whether you’re applying for a residential mortgage or a commercial loan,…
How Mortgage Brokers Can Save You Time and Money
Key Takeaways Mortgage brokers compare multiple lenders, saving you hours of research. They can negotiate better rates, fees and loan terms on your behalf. Brokers help prepare complete, accurate applications to avoid delays or rejections. Brokers know lender policies, which can improve your approval chances. Their services are often free to the borrower, as lenders pay commission to the brokers. Brokers offer ongoing support, helping you manage or refinance your loan later. Using a broker reduces financial stress and ensures you access the right loan for your needs. Introduction Did you know that working with a mortgage broker can save…
Common Mistakes to Avoid When Applying for Commercial Loans in Australia
Key Takeaways Incomplete or inaccurate loan applications can delay approval or cause rejection Overestimating borrowing capacity increases financial risk Failing to compare multiple lenders leads to missed opportunities Ignoring the importance of loan terms (not just interest rates) can cost you long term Not preparing supporting documents slows down the application process Underestimating the value of working with a broker reduces your approval chances Staying informed about market trends helps you make smarter borrowing decisions Introduction Applying for a commercial loan is a major financial step for any Australian business, but making common mistakes can hurt your chances of approval…
Benefits of Using a Mortgage Broker for Commercial Loans
Key Takeaways Mortgage brokers offer access to a wide range of lenders and commercial loan products Help both business owners and commercial property investors secure tailored funding Negotiate better rates, terms, and structures to maximise returns Simplify the application process and improve approval odds Provide expert advice based on your financial goals—whether for growth or investment Offer long-term support post-settlement including refinancing and restructuring Stay informed on market trends, lender policies, and investment opportunities Introduction Navigating the commercial lending landscape can be complex. Whether you're a business owner expanding operations or a property investor building a commercial portfolio, finding the…
Complete Guide to Commercial Loan
Key Takeaways Commercial loans provide funding for large-scale, long-term business and investment projects Common uses include purchasing commercial property, property investment, or business expansion Suitable for both owner-occupiers and commercial property investors Typically secured by the financed asset (e.g., comemrcial property or equipment) Higher loan amounts, often exceeding $500,000, with longer repayment terms Mortgage brokers like ARG Finance assist with lender access, loan structuring, and return optimisation Market trends and government policy influence lending conditions Introduction Looking to scale your business operations or build a property investment portfolio? Commercial loans in Australia offer tailored finance solutions not just for businesses—but…
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