MortgagaeHQ
Corporate Solutions meeting
your needs
lending services
Commerical Lending
Whether you're purchasing a commercial property, expanding your business premises, investing in industrial real estate or looking to refinance an existing facility — whether it's your first commercial purchase or you've been through the process before. Office, retail, warehouse, vacant land or a development project. Mortgage HQ is here to help. With access to over 40 lenders and hundreds of commercial loan products, our team can structure a solution tailored to your business needs, goals and financial circumstances. The world of commercial finance can feel complex and overwhelming — understanding loan structures, serviceability requirements and lender appetite across different asset classes is no small task. But that's exactly where we come in.
Commercial Property Finance
Your first commercial property purchase or you've purchased before!? if your business is well-established or still in its early stages, we have funding solutions across a wide range of property types — office, retail, industrial and specialised commercial properties — available for both purchases and refinances. Complex financials or an unusual lending scenario? Existing business debt or facilities? Tax obligations owing to the ATO? Looking to fund a development or purchase a property your business currently leases? Whatever your situation, there isn't a scenario we haven't seen — and there's almost always a solution. With flexible loan structures and competitive terms, we work across the full spectrum of lenders — from the major banks to non-bank lenders and specialist commercial financiers you may never have heard of. The market is full of options designed to suit a wide range of business borrowing needs, and we'll do the heavy lifting — assessing the market, negotiating with lenders and structuring a deal that works for your business. Want to find out what's possible? Explore our site for a general overview of commercial lending options or get in touch with our team directly for personalised advice tailored to your business goals and financial circumstances.
Development & Construction
Whether you're embarking on your first development project or you're an experienced developer with a strong track record, securing the right construction and development finance is one of the most critical steps in bringing your project to life. At Mortgage HQ, we specialise in funding a wide range of development projects — from dual occupancy builds and multi-unit townhouse developments through to land subdivisions and large-scale apartment complexes. With finance solutions ranging from $1 million through to over $100 million, we have the lender relationships and expertise to structure funding that suits your project, your timeline and your exit strategy. Development and construction finance works differently to standard commercial lending, and understanding how lenders assess feasibility, presales requirements, loan to cost ratios and project risk is essential to getting your application across the line. Our team understands what lenders are looking for and how to present your project in the strongest possible light — giving you the best chance of securing approval on competitive terms with a structure that supports your development from the first draw down through to completion. We work with a broad panel of lenders including major banks, non-bank lenders and specialist development financiers, meaning we can find the right funding solution regardless of your project size or complexity. If you have a site, a concept or a project already underway, get in touch with our team today for a confidential discussion about your development finance needs.
Refinance & Equity Release
If you own commercial property, chances are there's equity sitting in that asset that could be working harder for your business. Whether you're looking to refinance an existing commercial loan to secure a more competitive rate, reduce your repayments or improve your loan structure, or you're looking to unlock equity to fund business growth, an acquisition, a new property purchase or other capital needs — refinancing your commercial property could be one of the smartest financial moves you make. Over time, as your property value grows and your loan balance reduces, the equity available to you can become a significant and accessible source of business funding. At Mortgage HQ, we regularly work with business owners and commercial property investors to review their existing facilities and identify opportunities to improve their position. With access to a wide panel of lenders including major banks, non-bank lenders and specialist commercial financiers, we can assess the market on your behalf and structure a refinance solution that delivers real, tangible benefits for your business. If you haven't reviewed your commercial lending recently, now is a great time to have a conversation — get in touch with our team today for a no-obligation assessment of your current position.
Self Employed
Running your own business comes with plenty of rewards — but when it comes to securing finance, self-employed business owners often face a more complex path than traditional employees. Whether your tax returns aren't fully up to date, you have outstanding tax obligations, your financials are complex, or your business is still in its growth phase, securing finance through the major banks can feel like an uphill battle. The reality is, your financial position on paper doesn't always reflect the true strength of your business — and that's something the big banks don't always get right. The good news is that the major banks are just one part of a much larger lending market. There are specialist lenders who understand the realities of running a business and assess applications based on your individual circumstances rather than a rigid set of criteria. Whether you're looking to purchase a commercial property, invest in equipment, fund a development, refinance an existing facility or simply access working capital to support your business growth — there is almost always a solution available, regardless of where your finances currently sit. While some specialist lending solutions may come with slightly different rates or fee structures compared to traditional bank finance, the process is often far more straightforward than business owners expect. In many cases, a clear picture of your business position and some basic documentation from you and your accountant is all that's needed to get things moving. At Mortgage HQ, we work with a wide panel of lenders who specialise in supporting self-employed borrowers and business owners across all industries and financial situations.
SMSF Lending
For self-employed business owners and entrepreneurs, purchasing a commercial property through a Self Managed Super Fund (SMSF) is one of the most powerful wealth-building strategies available in Australia. Unlike residential property, commercial or business real property held within an SMSF can be leased directly back to your own business — meaning that instead of paying rent to a landlord with no financial return, those rental payments flow directly into your own superannuation fund. Whether it's an office, retail store, warehouse, workshop or professional suite, your SMSF can purchase the premises from which you operate your business, provided the lease is structured at market rates and maintained under a formal written agreement. From a financial perspective, the advantages are significant. Rental income received by the SMSF is taxed at the concessional superannuation rate of 15% rather than your personal income tax rate, and capital gains tax concessions apply at retirement. Commercial property is also exempt from the standard in-house asset rules that apply to residential property, meaning it can make up more than 5% of your fund and in certain circumstances can even be acquired from a related party — a flexibility not available with residential SMSF investments. At Mortgage HQ, we work with lenders who specialise in SMSF commercial lending and understand the specific requirements involved. While there are compliance obligations and structures that need to be followed — including independent property valuations, formal lease agreements and adherence to ATO guidelines — the process is far more straightforward than most business owners expect.
Private Debt & PE Funding
When traditional banking solutions aren't fast enough, flexible enough or structured in a way that meets your specific needs, private debt and private equity funding can provide a powerful alternative. At Mortgage HQ, we have established relationships with a select network of private debt funds, private equity firms and alternative capital providers who specialise in bespoke funding structures outside of the conventional lending market. These solutions are designed for situations where speed, flexibility and a tailored approach are paramount — whether that's funding a time-critical acquisition, bridging a gap in a development project, meeting an urgent capital requirement or navigating a complex transaction that falls outside standard lender appetite. Private debt and alternative funding is typically structured as a short-term solution — generally deployed quickly to meet an immediate or time-sensitive need, with the understanding that a more formal, restructured long-term facility will follow once the immediate requirement has been satisfied. While these solutions can come at a higher cost than traditional bank finance, the speed of execution and flexibility of structure often make them the most practical and effective option available in the circumstances.
Business Lending & Working Capital
Running a successful business means having access to the right funding at the right time — whether that's bridging a short-term cash flow gap, funding an acquisition, investing in growth or simply covering the day-to-day operational costs that keep your business moving. At Mortgage HQ, we offer tailored business lending and working capital solutions designed to support businesses across a wide range of industries, regardless of size or stage. From start-ups finding their feet to established enterprises looking to expand, we'll take the time to understand your business and structure a funding solution that works for your specific needs and goals. We understand that every business funding requirement is different, which is why we work across the full spectrum of lending products and timeframes. Whether you need a short-term facility of 3 to 6 months to manage cash flow or bridge a gap between payments, or a longer-term structured loan spanning 2 to 5 years to fund expansion, an acquisition or a significant capital investment — we have access to lenders and products to suit. From traditional bank overdrafts and term loans through to non-bank and specialist business lenders, we'll identify the right product, the right structure and the right lender for your circumstances. Accessing business finance doesn't have to be complicated or time consuming.
Asset & Equipment Finance
For businesses looking to grow, stay competitive and maintain productivity, having access to the right equipment at the right time is essential — but the upfront cost of purchasing business-critical assets can place significant strain on your cash flow. At Mortgage HQ, we offer flexible equipment finance solutions designed to help Australian businesses acquire the assets they need without tying up working capital. Whether you're financing vehicles, machinery, technology or a full business fitout, we'll structure a solution that supports your growth while keeping your finances working efficiently. We work across a broad range of industries and asset types. For the construction and mining sectors, we can finance heavy equipment including excavators, bulldozers, cranes, earthmoving machinery and specialised site vehicles. For trades, logistics and transport businesses, we can assist with the purchase of utes, vans, trucks and entire commercial fleets — whether you're a sole trader adding a single vehicle or a growing business expanding its fleet. Whatever your industry, we understand that having the right equipment on the ground is what keeps your business moving. Beyond heavy equipment and vehicles, we also provide finance solutions for electrical and IT infrastructure, manufacturing and industrial machinery, and full commercial fitouts — including restaurant and hospitality fit outs, retail shopfronts and office interiors. From a single piece of equipment to a complete business setup, our team will take the time to understand your needs and connect you with the right lender and structure to get your business where it needs to be. Get in touch with our team today to find out how we can help.