Property Finance

Property finance stands apart from other secured business loans because the security is real estate — which lenders value more consistently than equipment or receivables. This means higher loan amounts (up to $50 million), lower documentation requirements (no doc approvals are possible), and access for businesses that wouldn't qualify for unsecured lending. Startups, businesses with bad credit, and those with no trading history can all be considered when property is offered as security.

Yes. Property-backed loans are among the most accessible options for Australian businesses with adverse credit history, because the security reduces the lender's risk significantly. Broc Finance's panel includes non-bank lenders who specialise in bad credit scenarios for property finance, with no minimum credit score requirements for some products. LVR limits may be lower for bad credit applications, but funding is achievable — including for businesses with defaults, judgments, or ATO debt on record.

Loan terms vary significantly by product. Bridging finance and caveat loans are typically short term — up to 12 months and 5 years respectively — while 1st/2nd mortgage loans can run from 3 months up to 30 years. Commercial property loans and construction finance terms are tailored to the project. The stated range of 3 to 36 months applies to most non-bank property loans; longer terms are available through bank and institutional lenders on Broc Finance's panel.

Apply online at brocfinance.com.au/apply-now or call 1300 253 041. For low doc applications, you'll need valid ID, property security details, and an exit strategy. For full doc applications, include financial statements, tax returns, and ATO portal access. A Broc Finance lending specialist will contact you to discuss your requirements and provide an indicative quote within 24–48 hours — with no credit check impact at this stage. Unconditional approval and settlement typically occurs within 3–7 business days.

Both residential and commercial properties are accepted as security for business loans through Broc Finance. This includes owner-occupied homes, investment properties, commercial premises, industrial sites, and vacant land in most cases. The lender's appetite for different property types varies — metropolitan properties typically attract better LVRs than rural or specialised assets. Broc Finance matches your property type to the most suitable lender on its panel.

A caveat loan is secured by registering a caveat on your property title — it's the fastest property finance option, with approvals typically in 24–48 hours using a desktop valuation, and terms up to 5 years. Bridging finance is specifically designed to fund a property purchase while waiting for another property to sell, with terms up to 12 months and a required exit strategy. Both products require property security but serve different purposes and timelines.

Yes. Residential property owned by the business owner, a director, or a related entity is accepted as security by most non-bank lenders on Broc Finance's panel. This is particularly useful for businesses that lack commercial assets or cannot qualify for unsecured lending. LVRs on residential-secured business loans can go up to 80%, and no minimum trading history is required for some products.

LVR stands for Loan-to-Value Ratio — the loan amount expressed as a percentage of the property's assessed value. A 70% LVR on a $1 million property means you can borrow up to $700,000. Broc Finance's property finance products offer LVRs from 65% (residual stock, commercial) up to 80% (1st/2nd mortgage). A higher LVR means more borrowing capacity, but may attract higher interest rates or stricter lender requirements.

A no doc loan requires no financial statements or tax returns — approval is based on the property security, a valid ABN, and an exit strategy. A low doc loan requires minimal documentation such as bank statements or a self-certified income declaration. Both options are available through Broc Finance for property-backed business loans, making them accessible for self-employed borrowers, sole traders, and businesses with complex financials or recent ABN registration.

Residual stock finance is a property loan available to property developers who have completed a development but have unsold units or dwellings remaining. The lender provides finance against the value of the unsold stock — up to 70% LVR — giving the developer time to sell without being forced into a distressed sale. Both residential and commercial properties are eligible. Lenders typically register a first mortgage and set up separate loan facilities for each individual unit.