Elevate your clients’ investment portfolio with exclusive Commercial mortgages offered by Mortgage Street.
Unlock Exclusive Lending Opportunities for Your Clients with Mortgage Street
Partner with Mortgage Street, a trusted direct lender, to provide your clients with tailored financial solutions, competitive rates, and exceptional service. As a licensed mortgage broker, you gain access to our comprehensive suite of Standard and SMSF Commercial Mortgages, empowering your clients to diversify their property portfolios and grow their investments effectively.
Mortgage Street offers approved brokers exclusive access to lending products designed to support their clients' financial success. By partnering with us, your clients benefit from working directly with a leading lender, receiving expert guidance and dedicated support to achieve their financial goals seamlessly.
Give your clients the competitive edge they need in the commercial property market. Whether they are investing through an SMSF or seeking standard commercial financing, our dedicated broker team will support you every step of the way.
Bonus Feature: All commercial loans come with the option of a 100% interest offset account, providing your clients with enhanced flexibility and potential savings on their financing. Partner with Mortgage Street today and unlock new opportunities for your clients' financial growth
At Mortgage Street, we do more than provide loans—we’re dedicated to helping mortgage brokers grow and expand their business. As a mortgage broker, you know how time-consuming it can be to find the right commercial mortgage options for your clients. That’s where we come in. By partnering with us, you’ll get access to tailored recommendations designed to meet your clients’ specific needs, ensuring they secure the best commercial mortgage rates and terms. With our expert support, you can save time, serve your clients better, and take your business to new heights.
With Mortgage Street, you can trust that your clients will receive the highest level of service and support, and you’ll have more time to focus on growing your business. Partnering with us will help you to provide your clients with the best mortgage options, and increase your business.
Commercial properties classifications:
Service Levels (SLAs) for Your Applications
We’re committed to providing you with the highest level of service and support to ensure your applications are processed as smoothly and efficiently as possible. With that in mind, I’d like to clarify our service levels (SLAs) to better align expectations and improve outcomes.
Our SLAs follow two distinct pathways:
Completed Applications with Approved MSt 003 & Pre-Paid Application Fee: These applications are prioritised and processed within 2 NSW business banking days. This streamlined process helps expedite your clients' journey from application to approval.
Completed Applications without an Approved MSt 003 & Pre-Paid Application Fee: While still processed efficiently, these applications follow a standard SLA of 4 NSW business banking days.
By ensuring all required documents, including the MSt 003 and pre-paid application fee, are submitted promptly, you will experience faster turnaround times and a smoother process.
We’re here to support you every step of the way. If you have any questions or need further clarification, please don’t hesitate to reach out to our dedicated team.
As Australia's leading alternative lending solution, our mission is to empower brokers to exceed their goals
At Mortgage Street, our goal is to provide you and your customers with first-class service and innovative products, empowering you to deliver tailored solutions for clients who don’t fit traditional lending criteria. If your clients don’t qualify for a bank loan, Mortgage Street offers a range of unique mortgage options, including non-standard and non-conforming loans, specifically designed to meet their individual needs and circumstances.909000
Ultra prime
Super prime
Premium
Optimax
Empowering Mortgage Brokers with Tailored Lending Solutions
At Mortgage Street, we are committed to helping mortgage brokers better serve their clients by providing innovative, competitive, and flexible lending options. Whether you are assisting prime bank customers seeking more competitive rates or clients with unique financial requirements, Mortgage Street is your trusted partner.
We specialise in offering:
1. Competitive Options for Prime Customers: For clients with strong financial profiles who want to avoid high bank rates, we provide flexible and affordable alternatives.
2. Short-Term Solutions for Reliable Borrowers: When banks refuse to entertain short-term funding requirements, we offer tailored solutions designed to meet specific objectives quickly and effectively.
3. Specialist Products for Unique Needs: From borrowers needing niche loan products unavailable through banks to those with poor credit or unconventional securities, we deliver customised options to suit their individual circumstances.
Our mission is to empower brokers with the tools, products, and support to exceed client expectations. We help you navigate the lending landscape confidently and achieve the best outcomes for your customers. At Mortgage Street, we are here to help you succeed by delivering the service, innovation, and flexibility your clients deserve.
Why Mortgage Street Should Be Your Top Choice
Mortgage Street is committed to providing a modern, efficient service for clients who prefer the professional services of a mortgage broker because their bank is unable to meet their expectations. By distributing commercial, industrial, rural, retail, office, mixed-use, and land banking loans through professional Australian mortgage brokers, we offer a convenient and streamlined digital process that allows accredited brokers to apply for a loan, submit documents, and track the progress of the application from the comfort of their office or home
This service is exclusive to accredited brokers, ensuring that their clients receive expert guidance and support throughout the lending process.
Mortgage Street is your trusted partner in delivering exceptional lending solutions, designed exclusively to empower accredited mortgage brokers like you. Our commitment to modern, efficient services ensures you have everything you need to stand out and succeed.
We specialise in providing commercial, industrial, rural, retail, office, mixed-use, and land banking loans, all backed by a streamlined digital platform that puts efficiency at your fingertips. With the ability to apply for loans, submit required documents, and track application progress effortlessly, you’ll save time while delivering unparalleled service to your clients.
Every aspect of our platform is purpose-built to benefit you. From seamless optimisations to innovative digital efficiencies, we’re dedicated to helping you deliver superior service with ease, speed, and accuracy. By simplifying complex processes, we free you to focus on what truly matters—building relationships, meeting client needs, and growing your business.
When you partner with Mortgage Street, you gain more than just a service provider—you gain a reliable ally that’s deeply invested in your success. With us, you’ll have the confidence to navigate even the most challenging scenarios, providing your clients with solutions they can trust. Choose Mortgage Street, and experience the difference of a service that’s truly built for brokers, by brokers.
At Mortgage Street, we are unwavering in our commitment to empowering accredited mortgage brokers with the tools and support they need to succeed. Our flexible credit policies are designed to help you provide customised lending solutions that meet the unique needs of every client—no matter their circumstances
With the ability to cater to clients across the credit spectrum—good, average, or poor—our policies open the door to more opportunities. Whether your clients require full documentation, Alt Doc, or Lo Doc options, we have solutions tailored to fit. From commercial and industrial loans to rural, retail, office, mixed-use, and land banking loans, Mortgage Street gives you the flexibility to meet your clients’ diverse needs.
Every aspect of our service is optimised for accredited brokers like you. Our streamlined digital platform allows you to apply for loans, submit documents, and track application progress effortlessly. We’ve designed every efficiency and optimisation specifically to save you time, reduce complexities, and elevate the service you provide.
With Mortgage Street, you gain a trusted partner that’s dedicated to making you the hero of your client’s financial journey. Stand out from the competition and deliver unmatched solutions with our robust, flexible credit policies and seamless digital tools. Let Mortgage Street be your advantage—because your success is our priority.
At Mortgage Street, we empower accredited mortgage brokers with the tools and expertise to help their clients unlock their full borrowing potential. Whether your clients have complex financial situations, are self-employed, or are looking to maximise their borrowing capacity, our brokers provide tailored advice on optimising loan structures and strengthening applications.
For clients with high credit scores or those who are sophisticated property investors, Mortgage Street’s flexible credit policies and innovative loan solutions can unlock even greater borrowing potential. Our range of loan options—including commercial, industrial, rural, retail, office, mixed-use, and land banking loans—is designed to meet the needs of both seasoned investors and high-quality borrowers, ensuring they can access the funds they need to achieve their financial goals.
With our streamlined digital platform, accredited brokers can efficiently manage the application process, saving time while delivering a seamless and professional experience. Partnering with a Mortgage Street accredited broker means clients benefit from expert strategies and personalised solutions, helping them secure higher borrowing capacity and long-term success.
If your clients are looking to build wealth through property investment, partnering with an accredited Mortgage Street mortgage broker gives them a distinct advantage. Our brokers provide clear, actionable insights into the improved borrowing capacity implications of negative gearing, helping clients unlock the full potential of their financial strategy.
Clients who collaborate closely with both their accountant and an accredited mortgage broker stand to gain the most from this powerful wealth-building tool. By aligning expert tax advice with tailored lending strategies, they can maximise borrowing capacity, secure optimal loan structures, and unlock opportunities to grow substantial property portfolios. Negative gearing isn’t just a strategy—it’s a door opener to long-term financial success.
Accredited Mortgage Street brokers have access to a wide range of loan options, including commercial, industrial, rural, retail, office, mixed-use, and land banking loans. This versatility ensures that brokers can craft personalised solutions to align with each client’s unique circumstances and investment ambitions.
When clients work with an accredited Mortgage Street broker, they gain more than a service—they gain a trusted partner dedicated to their success. With the right guidance and support, your clients can confidently navigate the complexities of property investment and turn their financial aspirations into reality.
When it comes to securing larger loan amounts, partnering with an accredited Mortgage Street mortgage broker gives you a clear advantage. With access to an extensive panel of lenders, including those specialising in high-value loans, our brokers open doors to opportunities that might otherwise be out of reach.
For clients looking to purchase prestigious properties, undertake extensive renovations, or expand their investment portfolio, Mortgage Street offers unrivalled solutions. Our lending capabilities include loans of up to $5,000,000.00 per single security and total exposure of up to $19,000,000.00 for a single borrower, making it possible to meet even the most ambitious financial objectives.
Accredited Mortgage Street brokers are experts in navigating the complexities of larger loans, providing tailored strategies and exceptional service to help their clients succeed. Whether it’s finding the right lender or structuring the loan to maximise benefits, we ensure that brokers and their clients achieve superior outcomes.
With Mortgage Street as your partner, you’re not just accessing a loan—you’re unlocking the potential for significant financial growth. Don’t settle for limitations; choose the broker who can help you secure the future you deserve.
In the world of commercial and industrial property lending, mortgage insurance isn’t an option. Instead, a more practical and efficient solution has taken its place: a risk fee. By partnering with an accredited Mortgage Street mortgage broker, your clients gain access to lenders offering this streamlined approach, making it easier for them to achieve their financial goals
The introduction of a risk fee simplifies the lending process, enabling clients to secure funding without the hefty costs typically associated with mortgage insurance. This is especially beneficial for customers working with accredited brokers, as it opens doors to financial freedom and greater flexibility in their property investments.
Mortgage Street brokers specialise in delivering tailored solutions for commercial and industrial borrowers, ensuring their clients benefit from competitive risk fees and a more transparent path to property ownership or expansion. With this unique approach, brokers can help their clients unlock opportunities that may have previously felt out of reach.
Choose Mortgage Street to provide your clients with smarter, more cost-effective lending solutions that prioritise their success. With risk fees replacing traditional barriers, your clients can achieve financial freedom while you build lasting trust and value.
Mortgage Street is transforming the commercial and industrial lending landscape with the introduction of 100% offset accounts—a feature traditionally associated with residential loans. This game-changing solution allows clients to significantly reduce interest payments, accelerate loan repayment, and achieve unparalleled financial flexibility.
How It Works
By linking an offset account to a commercial or industrial loan, the funds in the offset account directly reduce the loan's principal balance. For example, with an outstanding loan balance of $500,000 and $100,000 in the offset account, interest is calculated only on $400,000. This can lead to substantial interest savings, empowering clients to allocate more resources toward their business growth.
Key Benefits
Interest Savings: Every dollar in the offset account reduces the loan principal subject to interest, saving clients significant amounts over the loan term.
Financial Flexibility: Clients can deposit and withdraw funds as needed, offering liquidity without sacrificing interest benefits.
Accelerated Repayment: Reduced interest charges enable clients to pay off their loans faster, helping them achieve financial freedom sooner.
Smart Tips for Business Owners
Business owners can maximise the value of a 100% offset account by strategically managing their cash flow. For example:
Leverage Tax Liabilities: Keep GST and payroll liabilities in the offset account until the due date to reduce the loan principal temporarily and save on interest.
Optimise Cash Reserves: Any excess cash flow or short-term reserves can be parked in the offset account to further reduce interest charges, even for a short duration.
These strategies make the offset account not just a savings tool but a powerful financial management resource for savvy business owners.
Why Choose Mortgage Street?
As a trailblazer in offering 100% offset accounts for commercial and industrial loans, Mortgage Street provides clients with an unmatched advantage. Our innovative lending solutions are designed to empower business owners, giving them the tools they need to optimise cash flow, reduce costs, and achieve their financial goals.
Partner with Mortgage Street to experience a smarter, more flexible approach to commercial and industrial lending. With our 100% offset accounts, business owners can unlock significant savings, gain financial control, and secure a brighter future for their enterprises.
Mortgage Street is transforming the lending experience for business owners with loans featuring real-time redraw capabilities. This game-changing solution offers instant access to cash when needed, providing unmatched financial flexibility for commercial and industrial borrowers.
How It Works
Our loan products with redraw functionality allow borrowers to access surplus funds instantly, ensuring liquidity without additional paperwork or delays. This feature enables business owners to maintain cash flow while efficiently managing their loan repayment strategy.
Key Benefits
Instant Cash Access: Redraw funds in real time to address urgent business needs or capitalise on opportunities without delays.
Interest Savings: By managing surplus funds effectively within the loan structure, borrowers can reduce overall interest costs.
Enhanced Flexibility: Whether you need funds for payroll, GST payments, or unforeseen expenses, real-time redraw provides immediate financial freedom.
Smart Tips for Business Owners
Optimise Liquidity: Use the redraw facility to maintain liquidity for day-to-day operations while benefiting from reduced interest costs when funds are parked in the loan.
Leverage Tax Obligations: Keep GST, payroll liabilities, or other due payments in your loan account until the payment date to maximise interest savings while ensuring funds are ready when required.
This combination of reduced costs and instant cash availability makes the redraw facility a valuable tool for savvy business owners.
Why Choose Mortgage Street?
At Mortgage Street, we understand the dynamic needs of business owners. Our commercial and industrial loans with real-time redraw functionality are designed to provide the flexibility, control, and savings your business needs to thrive.
With access to a diverse panel of lenders, our accredited mortgage brokers deliver tailored solutions to help clients maximise the benefits of these innovative features. Choose Mortgage Street and gain the financial freedom to seize opportunities and manage your business with confidence.
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Frequently asked questions
How much is the maximum loan amount that my clients can borrow against a commercial security?
The maximum loan amount that your clients can borrow is $3,000,000 per single security, subject to postcode classification, Equifax credit score & doc type.
How much is the maximum exposure per obligor for Progressive products?
The maximum exposure per obligor for commercial loan products is $5,500,000.00. Replace: Can Optimax products accept Alt doc? WITH Can Mortgage Street commercial loans accept Alt, Lo & No doc applications?
Can Optimax products accept Alt doc?
Optimax products do accept alternative documentation (Alt-doc) and other lower/documentation-light options. This flexibility helps accommodate clients who may not meet the full documentation requirements of traditional loans, such as those who are self-employed or with irregular income streams.
What is the highest loan-to-value ratio (LVR) that my clients can obtain in Tolerant products?
The maximum loan-to-value ratio (LVR) that your clients can obtain with Mortgage Street commercial loans is 80%, 85% for relocation loans.
Can an any Mortgage street accredited broker submit commercial loan applications?
Yes, we strive to earn the reputational as a "one stop shop".
What is the minimum credit score required for a Mortgage Street commercial application?
Mortgage Street accredited brokers will know that All credit indexes & scores will be acceptable to specific loan products i.e. Minimum Equifax credit score for Ultra Prime is 853; Super Prime is 735; Premium is 661; Optimax is 460; Tolerant is 350; Progressive is 250; Receptive is 150; Liberal & LiberalHL have no Equifax credit score restrictions.
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