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Client story · published with Simarpreet’s permission
The mechanic who bought his workshop — for $200,000 less.
Simarpreet Singh runs Singh Car Repairs in Melbourne. He wanted to buy the workshop he was working in — and the brokers he called could not read a workshop’s numbers. This is what happened next, told mostly in his own words, from his Google review.
30 minutes with Priyank — the same first step Simarpreet took.
The story in five beats
Price first. Structure first. Lender last.
Note the order — it is the whole method. The price was negotiated before a lender was approached, the buying structure existed before the contract, and the equity that funded the deposit was released before it was needed. None of that is available to a buyer who has already signed.
In his own words
“My home settled on 26 September 2023 and my workshop settled ten days later.”
“I wanted to buy my own workshop. Most mortgage brokers I spoke to could not understand my business. Priyank did not just find me a loan… He is a property developer and investor himself, so he looks at a commercial property the way a buyer should look at it, not the way a bank does. I have not found that in any other finance broker.”
“He negotiated $200,000 off the purchase price before we went to any lender, set the trust structure up properly first, and refinanced my home loan to release the equity. My home settled on 26 September 2023 and my workshop settled ten days later.”
“In 2025 he refinanced the commercial loan and cut my interest rate by 1.85%. That is over $15,000 a year back in my business, and he got the bank’s approval fee down from $6,143 to $600. When the valuation came in low he reworked the whole deal instead of telling me it could not be done.”
Simarpreet Singh, Owner, Singh Car Repairs · verbatim excerpts from his five-star Google review, August 2026, published with his permission. Client-reported outcomes in the client’s own words — your circumstances and result will differ.
The numbers he reports
What the sequence was worth.
Client-reported figures from Simarpreet’s Google review, quoted with permission. Not a representation of typical results — every transaction depends on its own facts, security position and lender criteria.
Why it worked
Four decisions, in the right order.
1 · Read like a buyer
A workshop’s numbers were assessed the way an owner reads them — not the way a bank form does. That is what the brokers before him couldn’t do.
2 · Negotiate before the lender
The price conversation happened while walking away was still free. $200,000 moved before a single application existed.
3 · Structure before the contract
The trust was established first and the home equity released first — so settlement was a formality, not a scramble.
4 · Keep working after settlement
Two years on, the loan was repriced and the fee argued down. The transaction ended; the file didn’t.
Buying a workshop yourself?
Start where Simarpreet started.
The free 5-page workshop guide
How to read the advertised return, what actually prices a workshop, the lease-versus-loan gap, and the 12 deal-killers — the same thinking that ran this purchase.
Or talk it through
Thirty minutes with Priyank. You’ll know whether your deal is fundable and what it would take — before you negotiate, and before any lender sees your name.