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Welcome to Commercial One

The commercial and residential property finance specialists

"Specialist" Noun [c] someone who has a lot of experience, knowledge or skill in a particular subject. Commercial One is a fully licensed national commercial mortgage and finance broker that specialises in facilitating commercial property investors, owner occupiers and property developers with their commercial mortgage lending and other financial requirements.

Formed in 2006 Commercial One has become one of the most respected broking houses in Australia. Under the direction of Daryl Currie (Dip Fin Services) who has enjoyed nearly 40 years experience in the financial services sector Commercial One also has a close affiliation with the Accounting and Business Advisory practice of ROCG, a 2013 BRW Top 100 Accounting Firm confirming that experience is certainly the under pining strength of this business.

Complementing our mainstream activity is a comprehensive range of residential home and investment loan offerings.

In addition our leasing and asset division specialises in all forms of vehicle and equipment finance
Just a few of the benefits of engaging Commercial One to broker your requirements are:

- Deal only with an individual experienced Client Account Manager who understand your needs

- Access to our comprehensive panel of Australian and International lenders

- Product choice from both institutional lenders and private funders for those with “not so straightforward” requirements.

- All fees and charges are disclosed at the outset so no last minute surprises

- We will assist with any type of finance requirement you might have...JUST ASK.

Development Finance - Banks vs Privates

March quarter 2021 price growth across many key real estate asset classes has made many developers feasibility returns look healthier on paper.

Naturally as a result more development projects to be offered into the market place.

In my view Major Bank Development Finance compares to Private Development Finance in 4 key areas;

1 . Equity - banks call for a relatively high cash equity requirement of 30-40% of total project cost vs a private 15- 25%.

2. Application Process - a bank will seek a full doc application process with analysis of personal & company tax returns vs the private lenders who largely focus on merits of the project.

3. Presales - banks seek high presales or pre-lease commitments before they fund a project whereas a private lender might be able to fund with 0 or minimal presales.

4. Rates - bank rates are low at c. 3-4% pa vs private lenders 7-11% pa. Ultimately there is a trade off between price (rate) and speed/ flexibility, the benefits of which can compound as more deliver more projects in less time.

I am currently seeing major bank appetite for development projects improve over last 4-6 weeks so please do reach out to discuss what your options might be.


Interest Rates and LVR's
(Loan to value ratios)

With access to literally hundreds of lenders within Australia we at Commercial One have your needs catered for.
Institutional Lenders including
The Big 4 Banks
Second Tier Banks
Non-Bank Lenders
Private Finance
Mortgage Trusts
And covering loan structures such as
Full Doc
Low Doc
No Doc
Lease Doc
As we hold our own Australian Credit Licence we are totally unrestricted in whom we decide to deal with meaning that we can offer a much wider choice than your standard Mortgage Broker.
As such you can be assured that we are in a prime position to source for you the best available funding option
If we can't do one can.
Just ask.

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Awards & Recognition

MPA Top 40 Commercial Broker Award
Australian Mortgage Awards Finalist
MPA Top 40 Commercial Broker Award
Australian Mortgage Awards Finalist