Trading Australian corporations often require access to financing for property acquisitions, business expansions, or investment opportunities. Mortgage Street provides specialised loan solutions, including Progressive, Receptive, and Liberal, to accommodate the unique financial structures of trading corporations, ensuring access to competitive mortgage products that align with business goals.
Benefits of Applying for a Mortgage as a Trading Australian Corporation
Trading Australian corporations can leverage mortgage financing to support business expansion, investment opportunities, and long-term financial stability. Key benefits include:
Access to Higher Loan Amounts
Corporations can secure substantial financing for commercial property purchases and business growth.
Flexible Loan Structures
Financing options tailored to business cash flow, profitability, and financial health.
Improved Cash Flow Management
Structured loan repayments help manage liquidity while maintaining capital for operations
Competitive Interest Rates
Businesses with strong financial records may qualify for favourable loan terms.
Opportunity for Business Expansion
Mortgage financing can be used for acquiring new locations, upgrading facilities, or diversifying investments.
Tax Benefits
Interest payments on commercial loans may be tax-deductible, improving financial efficiency.
Asset Appreciation
Property ownership allows corporations to benefit from long-term capital growth.
Stronger Financial Position
Owning commercial property enhances business stability and reduces reliance on leased premises.
Eligibility for Corporate Borrowing
Mortgage Street provides financing solutions for trading Australian corporations that meet key financial criteria, including:
- Strong financial records – Demonstrated profitability and cash flow stability.
- Operational history – Businesses with established trading experience.
- Loan security – Mortgages backed by commercial or investment property assets.
How Mortgage Street Supports Mortgage Brokers
Mortgage brokers working with corporate borrowers gain access to specialised loan products and expert lending support, ensuring efficient loan structuring and approval:
Customisable Loan Solutions – Loans structured to align with corporate financial strategies.
Dedicated Corporate Lending Team – Expert assistance in navigating complex financial structures.
High Loan Approval Potential – Access to Progressive, Receptive, and Liberal products with flexible lending criteria.
Explore Corporate Financing Options with Mortgage Street
Access exclusive corporate loan products, including Progressive, Receptive, and Liberal designed to support business growth and financial success.
Mortgage brokers looking to expand their service offerings and better support corporate borrowers should partner with Mortgage Street. Gain access to competitive commercial mortgage products, expert guidance, and the resources needed to secure the best outcomes for corporate clients.
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
7 reasons why you should work with Mortgage Street
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
To help you find what you’re looking for, we’ve grouped our lending criteria into key categories.
Turbo charge your application for faster turnaround times
Mortgage Street focuses on what you and your customer needs.Submit a scenario now and we’ll help you every step of the way
Helpful guides & forms
- MSt 001 Customer Information Collection
- MSt 002 Payroll Authority form
- MSt 003 Loan Scenario form
- MSt 007 Applicant details verification
- MSt 011 Lo-Doc Declaration Accountants Verification
- MSt 012 Full Partial Discharge Authority
- MSt 013 Rate Review Form
- MSt 014 Gift Declaration Form
- MSt 015 Direct Debit Request
- MSt 028 Buying Your First House
- MSt 063 Bespoke broker premium
- MSt 067 Everyday transaction account
- Loan Application Documentation Checklist
- MSt 134 Request for Hardship Assistance
Don’t let your unique situation hold you back, explore the all mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Relocation loan
Convenient calculators
FAQ
What are the eligibility criteria for trading Australian corporations seeking loans?
To qualify for financing, corporations typically need:
- Australian Registration: An active Australian Company Number (ACN).
- Operational History: At least two years of management and trading history.
- Financial Performance: Annual revenue exceeding $250,000.
- Funding Necessity: Demonstrated inability to secure financing from traditional banks.
What documentation is required for loan applications?
Corporations should prepare:
- Financial Statements: Recent profit and loss statements, balance sheets, and cash flow statements.
- Tax Records: Filed tax returns for the past two years.
- Business Plans: Detailed plans outlining the purpose of the loan and projected financial outcomes.
- Corporate Governance Documents: Certificates of incorporation, director details, and company constitution.
How does a corporation's trading history impact loan approval?
A stable trading history of at least two years demonstrates reliability and financial stability, increasing the likelihood of loan approval. Lenders assess consistent revenue streams and effective management practices as indicators of a corporation's creditworthiness.
Are there government programs to assist trading corporations in obtaining finance?
Yes, the Australian government, through Export Finance Australia, provides financial assistance to eligible businesses, particularly those unable to secure funding from traditional banks. These programs aim to support export activities and international expansion.
What are the tax implications of corporate borrowing in Australia?
Interest expenses on loans used for income-producing purposes are generally tax-deductible. However, corporations should consult with tax professionals to understand specific implications, including the treatment of loan fees and the impact on financial statements.
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Frequently Asked Mortgage Product Questions
Key points
+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loan applications, refinances and balloon amounts are subject to credit assessment.
Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.