Almost nobody in this industry publishes this page. That is the reason it exists.

Most do not charge the client directly. They are paid a commission by the lender. We are paid that commission too, and we disclose it. We also charge a consulting fee on the work we take on, because the structuring, due diligence and negotiation that produces the outcome is not what a lender commission pays for. Our fee is quoted in writing before you decide, and backed by our refund commitment on the outcome in your Action Plan.

Two ways. An upfront commission from the lender when a loan settles, typically a percentage of the amount drawn, and an ongoing trail commission each year the loan remains in place. Both are paid by the lender, not added to your loan. For consumer credit, the amounts are disclosed to you in the credit quote and credit proposal disclosure document before you proceed.

Everything up to and including your Action Plan meeting is at no cost to you. If we take your file on, our fee is quoted in writing and is backed by our refund commitment. If we do not secure the offer set out in your Action Plan, it is refunded in full. The fee is fixed once quoted, and varies with entity count, lender complexity and whether we are restructuring existing facilities alongside the transaction. Development, complex commercial and consultancy engagements are quoted individually.

At the meeting, step four of six. The seven-minute call, the document review and the written snapshot of your position cost nothing. At the thirty-minute meeting with Priyank we read your position the way a credit committee will, and if we can see we are able to deliver what you need, we quote and charge the consulting fee at that point. The meeting itself is at no cost to you: if we cannot deliver, we say so and there is nothing to pay. The fee is then refunded in full if we do not secure the offer set out in your Action Plan.

Because the fee buys judgement, not paperwork, and the judgement is the same on every file. Priyank has sat in four chairs: business owner who bought a loss-making business, rebuilt it and sold it for two and a half times what he paid; developer with ten-plus completed projects; bank lending manager and commercial credit assessor who approved other people’s files; and broker, with entity and trust structuring at the centre of the work. On a clean file that shows up as the right lender at the first attempt, a structure your accountant agrees with before lodgement, and the whole cost stack negotiated rather than the headline rate. A straightforward file sits at the low end of the band, and the refund commitment applies to it in full.

Beyond the deposit: lender application and establishment fees, valuation fees, legal and conveyancing, accounting and due diligence, stamp duty where it applies, and working capital for the first months of trading. Stamp duty varies by state and South Australia charges none on commercial property. Your Action Plan sets out the full cost of getting in, not just the deposit.

No, and this is the most expensive misunderstanding in lending. A lower rate over a longer term can cost far more in total interest while showing a lower monthly repayment. We show you both the monthly figure and the total interest at both terms on every restructure, as a standing service commitment. See the worked example below.

Costs of borrowing for an income-producing or business purpose are often deductible, sometimes over several years. It depends on your circumstances and the purpose of the borrowing, so your accountant should confirm it. We are not tax advisers and we will not pretend otherwise.