Business Loans — Cash-Flow, Equipment & Expansion
Running a small or mid-sized enterprise is demanding, and cash is your oxygen. Mortgage House offers flexible finance tailored to your needs, from working capital lines to equipment purchases.
We will do our very best to find a solution that meets your expectations.
Benefits: Cash-flow funding; equipment finance; rapid assessment; early repayment flexibility; transparent pricing.
Product promise
- Up to 30-year terms. No annual reviews.
- True 100% offset account—companies & trusts eligible.
- Instant, real-time access to available funds in offset.
- Flexible security types: commercial, industrial, office, mixed-use.
- We listen first; borrowers aren’t a number.
Feature deep-dive
30-Year Set & Forget
Long-term certainty; reduce admin friction; fewer covenants.
No Annual Reviews
Keep focus on operations; predictable cost of capital.
True 100% Offset for Business Borrowers
Offset structure available to companies and trusts; funds available instantly; interest calculated daily, charged monthly (confirm precise mechanics with Product).
Use-Case: Payables Parking for Real Savings
“Deposit ATO, super, land tax, payroll and other scheduled outflows into your 100% offset account. Keep them there until the due date. Transfer just-in-time. Outcome: lower interest, better cashflow runway.”
Access & Payments
BPAY/OSKO/FAST transfers; multi-user permissions; alerts (confirm features with Operations).
Eligibility & scenarios
Who this suits
Trading companies, trusts, professional practices, asset-rich / growth-phase SMEs, property-backed operators.
What we look at (principles)
Security value/LVR, serviceability, conduct, director history.
Typical securities accepted
Commercial, industrial, office, mixed-use (details below).
Max LVR & amounts
Insert current policy ranges once confirmed.
Time to yes
State SLA bands (once confirmed).
Our Business Loans
Business Loans
Dealing with an immedate cash flow shortage? Business growing quickly? We have a loan for any scenario.
Commercial Finance
Property investor? Business owner looking to buy your own premises? We have finance options to suit.
Property Development Finance
Property development is all about managing risk and reward. We can help fund your next big project.
Security-type explainer blocks
Commercial Security
Purpose-led copy: Tenant driven premises, retail / showroom, medical / health, hospitality, logistics nodes.
- Long tenancies support stability; alt-docs available per policy.
- Fit-outs, refurb, working capital allowed via redraw/offset (subject to terms).
- Portfolio loans available for grouped assets.
- Consider GST implications and lease expiries when structuring terms.
Industrial Security
For light/heavy industrial sites, warehouses, fabrication, last-mile logistics.
- Supports equipment cycles and inventory swings via offset strategy.
- Zoning, environmental reports, and site services considered during assessment.
- Yard space and loading access affect valuation—explain early to speed approvals.
Office Security
For strata or freestanding office assets, owner-occupied or leased.
- Cashflow smoothing via offset; align repayments with receivables cycles.
- Consider WALE (weighted average lease expiry) if leased.
- Fit-out/IT refreshes can be planned with redraw buffers (policy permitting).
Mixed-Use Security
For assets combining retail + office + residential components.
- Valuation considers component yields and policy caps per use-type.
- Offset helps handle staggered outgoings (rates, land tax, strata, utilities).
- Flexible structuring for SPVs, unit trusts, or corporate borrowers.
FAQs
Can companies and trusts access a 100% offset?
Yes. Our business loan offset accounts support corporate and trust borrowers (subject to terms).
How does “no annual review” work?
We design long-term facilities so you can operate without yearly reassessment cycles (standard monitoring still applies).
What’s the offset strategy for payables?
Deposit tax, super, land tax and payroll into offset; keep until due; transfer just-in-time to reduce interest.
Disclaimer: All lending is subject to responsible lending obligations, full assessment and verification. Acceptance, pricing and features (including Alt/Lo Doc, construction, cash-out, ATO restructure, business purposes and trust borrowing) are subject to valuation, LVR and Underwriting Credit Policy at the time of decision. This is general information only — seek licensed tax, legal and financial advice.
Business-purpose lending. Not personal advice. Standard lending criteria, fees, and T&Cs apply.
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