Business Finance

“What’s this actually going to cost me?” It’s the question my clients ask all the time. And it’s the right thing to ask, because the cost of switching is exactly what decides whether a refinance is worth doing at all. Here’s the honest version most people don’t hear: the headline rate you’re chasing is only […]

Every commercial property deal I work on starts with the same underlying question: what is this place actually worth? It sounds simple. It isn’t. The honest answer is that a commercial property doesn’t have one single value, it has a value that depends on who’s assessing it and why. A vendor, a buyer, the tax

One of the most common questions I get from established commercial property owners isn’t about buying or selling. It’s some version of: “I’ve owned this place for years, it’s worth a lot more than I owe on it, can I actually use that?” The answer is usually yes. If your commercial property has grown in

Every few weeks a client sits across from me weighing the same question: the café with two apartments above it has come up for sale, the numbers look interesting, but is a mixed-use property actually a good investment, or just a complicated one? It’s the right question to ask first. I’ve helped arrange over $550

This Australian farm loan calculator is built for all three types of rural finance — lifestyle blocks, working farms and agricultural business acquisitions — because in my experience, getting your numbers right before you talk to a lender is the difference between going in prepared and going in blind. To get started, enter your purchase

“Should I buy commercial property now?” is the question I keep getting asked since the RBA‘s Feburary 2026 rate decision, and it’s one I’ve answered many times across multiple rate cycles during my 15+ years as a specialist commercial finance broker. As at February 2026 the RBA cash rate currently sits at 3.85%. Here’s what

So, after twelve months of client conversations that kept me awake at night, I finally did something about it. The Premise Effect: What Business Are You Really In? is now available on Amazon! The Conversation That Broke Me March 2025. I was sitting across from David, a medical equipment supplier in Brisbane. Ten years in

If you’re thinking about buying commercial property in 2026, you’re probably wondering what the commercial property lending market is like right now. Inflation is running hot, rates are likely to rise, and uncertainty is flowing through to business owners trying to make decisions about their biggest financial commitments. Here’s what we’re actually seeing on the

If you’ve spent any time in the Australian commercial property market lately, you know the conversation usually starts and ends with yield. “What’s the return?” is the golden question. But as we navigate through 2026, I’m noticing a shift in the rooms where the real deals get done. When I sit down with credit managers