Home › Where we work
Where we work
Melbourne based. Australia wide. Deeper in four markets.
We arrange finance anywhere in Australia, and we have particular depth in Melbourne, Geelong, Hobart and Adelaide. Depth is not a marketing claim: it means we know what actually differs in that market, because the rules, the duty and the buyer mix are not the same everywhere. Below is what changes, market by market, with sources.
The licensing, the land tax exemption and the vacancy rules are Victorian instruments. They do not travel, and we will say so rather than take the file.
30 minutes with Priyank. No application, and no lender sees anything until you say so.
Melbourne and Victoria
Home market, and the deepest one.
The office is in Hughesdale. Most of our transactions settle here, and it is where the specialist work sits, because the instruments that make or break these deals are Victorian.
Rooming house and co-living
Registration with the local council under Part 6 of the Public Health and Wellbeing Act 2008, Class 1B classification, front setbacks, and the land tax exemption with its nine tests and weekly tariff caps. Priyank has built and operated these assets, which is why the licensing and valuation questions get answered before a lender ever sees the file. Rooming house finance and the land tax guide.
Everything else
Business acquisition, owner-occupier premises, SMSF commercial purchases, development and construction, and debt restructures. Victorian land tax runs on the general and trust surcharge scales, and vacant residential land tax now applies statewide, both of which we model into a feasibility rather than discover afterwards.
Geelong and regional Victoria
The same rules as Melbourne. A different market.
This is the part most people get wrong about regional Victoria: the regulation does not soften outside Melbourne. A Geelong rooming house is registered under the same Part 6 provisions, tested against the same nine land tax criteria, and capped at the same weekly tariffs as one in Hughesdale. If a marketer tells you regional projects are easier to license, they are describing a market, not a statute.
What does differ is the deal: entry prices, tenant depth, valuation comparables and how a valuer reads an income-producing asset in a regional centre. That last one is where files are won or lost, and it is a valuation argument, not a form.
Hobart and Tasmania
The tightest office market in the country, and it is owner-occupier territory.
Tasmania is not a footnote in our service area. It is the market whose numbers most closely match what we actually do.
Vacancy no other capital matches
Hobart CBD office vacancy sat at 5.2% in February 2026 against a national average of 15.9%, with A-grade at 2.9%. It has led Australia’s capital city office markets for six consecutive years. Tight vacancy changes how a lender reads the security and how a valuer reads the income.
The sub-$2m market is buyers like you
Below roughly $2 million, the Tasmanian market is driven primarily by owner-occupiers rather than investors. That is precisely the buy your premises transaction, and it prices and assesses more favourably than investment exposure.
Volume is rising, price is steady
141 commercial sales in the first half of 2026, up 33% on the 106 in the same period of 2025, at a median of $1.6 million, barely moved year on year. A rising count on a flat median is a market with more transactions, not a bubble.
Why the median matters to us
$1.6 million sits squarely inside the $400,000 to $10 million+ band we work in. Owner-occupiers took 29% of disclosed purchases and interstate or overseas buyers 35%, so a Tasmanian purchase is frequently financed from the mainland. We already work that way.
Office vacancy and sub-$2m commentary: Elders, reported February 2026. Sales volume, median and buyer mix: Tasmanian commercial market, first half 2026. Market data, not an offer or a valuation.
Adelaide and South Australia
The only state where commercial stamp duty is nil.
South Australia abolished stamp duty on qualifying commercial property, non-residential and non-primary-production, from 1 July 2018. On the eastern seaboard the same purchase carries a five-figure duty bill. In Adelaide it carries none.
That difference does not land in some abstract column. It lands entirely in your entry cost, which is the number that decides whether a purchase works this year or waits another one. It is a material reason Adelaide appears in owner-occupier and SMSF purchase strategies that have nothing to do with living there, and a reason we hold it inside our core service area. The full workings are in the commercial property deposit guide.
Source: RevenueSA. General information only, current at August 2026. Duty treatment depends on the property and the transaction. Confirm your position with your own adviser.
The rest of Australia
Sydney, Brisbane, Perth, Canberra, Darwin and everywhere between.
Credit is assessed on your file, not your postcode. Lenders we work with operate nationally, documents move electronically, and a thirty-minute meeting runs the same from any state. If your transaction sits between $400,000 and $10 million+, where you are is rarely the constraint. The one exception is above: rooming house and co-living work is Victoria only, because the rules that make those deals work are Victorian.
You’ll know whether we can fund it, and either way, you leave with a plan.
Straight answers
Fair questions.
Do you only work with clients in Melbourne?
No. We are Melbourne based and work Australia wide, with particular depth in Melbourne, Geelong, Hobart and Adelaide. Lenders assess your file, your security and your serviceability, not your postcode, and the whole process runs by phone, video and electronic documents. The single exception is rooming house and co-living finance, which we take on in Victoria only.
Why is rooming house work Victoria only?
Because the instruments that decide those deals are Victorian: council registration under Part 6 of the Public Health and Wellbeing Act 2008, Class 1B building classification, and the state land tax exemption with its nine tests and weekly tariff caps. That knowledge does not transfer to another state’s regime, and pretending otherwise would put your project at risk. Interstate, we will tell you so in the first call.
Why does Adelaide appear in your service area?
Because South Australia abolished stamp duty on qualifying commercial property from 1 July 2018, and no other state has. On a commercial purchase that saves tens of thousands against the eastern states, landing entirely in your entry cost. It is a genuine structural advantage, which is why Adelaide features in owner-occupier and SMSF purchase strategies for buyers who do not live there.
What makes Hobart different for a commercial purchase?
Vacancy. Hobart CBD office vacancy was 5.2% in February 2026 against a 15.9% national average, and it has led the capital city markets for six consecutive years. Below about $2 million the market is driven primarily by owner-occupiers, and the Tasmanian median commercial sale price was $1.6 million in the first half of 2026 across 141 sales, up 33% year on year. Tight vacancy and an owner-occupier-dominated segment change how both a lender and a valuer read the asset.
Are the rules different for a rooming house in Geelong?
No. Regional Victoria is still Victoria. A Geelong rooming house is registered under the same Part 6 provisions, assessed against the same nine land tax exemption tests, and capped at the same weekly tariffs as one in Melbourne. What differs is the market, entry prices, tenant depth and the comparable sales a valuer will use, not the statute.
ACL 509527Held directly, not leasedMemberships verifiable with each body