Commercial property loans are rarely "set and forget" — fixed terms end, interest-only periods roll over, and lenders reassess your facility on their schedule, not yours. If your loan hasn't been reviewed recently, it's worth finding out whether you're still on competitive terms.
We look at your current rate, loan structure, remaining term and any upcoming review or expiry date, and compare it against what the market currently supports.
Whether your existing lender has become less competitive, declined a top-up, or your facility is simply up for renewal, we map your deal across a 50+ panel of banks, non-banks and private credit.
Equity release, repayment restructuring, extending or shortening the term — we work out which structure actually improves your position, not just your rate.
One clean application to the best-fit lender. We manage valuations, discharge of the existing facility, and lender communication through to settlement.
Refinancing can free up equity for the next move — another property, working capital, or a business acquisition. We handle all of it under one roof.
"A loan that was competitive three years ago isn't necessarily competitive today — and your lender isn't going to call you to tell you that." — Pooja Choudhary
Loan reverting to a lender-set rate or facing reassessment
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Using increased property value or paid-down balance for the next move
Business Acquisition →
A lease expiring or vacancy affecting how the property is valued
Talk to us →Lenders reassess a refinance on how your business is performing today and how the property and (if tenanted) its lease currently stack up — not on the numbers from when you first bought.
How comfortably your business's income covers the facility today — not at the time of original approval.
The property itself, and — where tenanted — the lease behind it.
Specialised doesn't mean impossible. We've placed plenty of these — it just takes a lender with the right risk appetite and experience with the asset type. That's exactly where a broker with the right connections earns their place in the deal.
Ranges are indicative only and subject to lender assessment. Your property type, purpose and financials determine the actual LVR, rate and lender appetite.
| Trigger | What typically happens | What to check |
|---|---|---|
| Fixed-rate term ending | Reverts to a new rate set by the lender | Ask for a payout figure early; check for break costs if refinancing before the fixed term ends |
| Interest-only period ending | Repayments increase, or balloon falls due | Start the process 6–12 months ahead of the rollover date |
| Loan review/expiry cycle | Lender reassesses using current policy | Loan reviews are common every 3–5 years even on longer amortisation |
| Lender declines a top-up | Doesn't mean the deal is dead elsewhere | Different lenders assess LVR and serviceability differently |
| Tenant lease expiring | Can affect valuation (income-based, not comparable sales) | Time the review before the lease uncertainty peaks |
Owner-occupied, investment, specialised security or a business purchase with property attached — tell us the situation and we'll map it against the lender panel.
Before founding Probiz, Pooja spent years inside NAB and ANZ — including reviewing facilities exactly like the one you're refinancing. She knows what triggers a lender's internal review, how serviceability is reassessed at renewal, and what a stronger refinance application looks like from the credit side, not just the borrower's side.
Seamless finance experience with Probiz Finance — highly recommend. As a business owner, having someone who knows the lenders made all the difference...
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Most commonly when a fixed-rate term or loan review period is approaching, an interest-only period is ending, you want to release equity, or your current lender has become less competitive. Reviewing 6–12 months before a known expiry or rollover date gives you the most options.
Possibly. Depending on your existing facility, you may face a discharge fee from your current lender, break costs if you're refinancing a fixed rate before it expires, and an establishment fee with the new lender (some waive this). These vary by lender and loan structure, which is why it's worth getting a clear payout figure before deciding.
Often, yes. A decline from your existing lender reflects that lender's current policy and appetite, not necessarily the market as a whole. Different lenders assess the same property and business differently, particularly on LVR and serviceability.
Yes, potentially. Commercial property is generally valued on the income it produces rather than comparable sales, so an expiring lease or vacancy can affect how a lender values the property and prices the loan.
In many cases, yes, if the property has increased in value or your loan balance has reduced. This is commonly used to fund business expansion, working capital, or another property purchase — including a business acquisition that comes with premises.
Going back to your existing lender means seeing only their current policy and pricing. A broker compares your facility against a wider panel — banks, non-banks and private credit — which is particularly useful at renewal, when your existing lender has no incentive to offer you their best terms.
No credit checks at this stage, no obligation. We'll come back to you within one business day with a read on how lenders would see a refinance.
A quick review costs nothing and could save you from an unwelcome surprise at renewal. Book a strategy session with Pooja — no obligation, no fee.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.
