Clopton Capital helps investors and owner-operators secure commercial mortgages for income-producing real estate across the nation. We match your deal with the right capital source—major Australian banks, credit unions, life insurance companies, CMBS, or private lenders—based on property performance, business plan, sponsor profile, and timing.
Whether you are purchasing, refinancing, or repositioning an asset in a major CBD or regional hub, our streamlined process is designed to move fast, minimize surprises, and deliver commercial mortgage options you can confidently close.
Refinancing involves taking out a new loan to pay off an existing debt, typically to secure a lower interest rate, extend the term, or change the loan structure (such as moving from recourse to non-recourse).
While commercial rates are influenced by the Reserve Bank of Australia (RBA) and market swap rates, many businesses choose a commercial mortgage refinance to:
Improve Cash Flow: By securing lower monthly repayments.
Capitalise on Growth: Repositioning the property for long-term expansion.
Unlock Equity: Using a “cash-out” refinance to fund new acquisitions or renovations.
Lower Repayments: Reducing your interest margin can significantly increase your monthly net cash flow.
Negotiable Rates: Commercial loan rates in Australia are highly bespoke; as your commercial mortgage broker, we negotiate directly with credit teams to find the best “spread” over the BBSW.
Debt Restructuring: Move away from restrictive covenants or personal guarantees (recourse) to a more flexible institutional structure.
Strict Criteria: Major Australian banks have rigorous serviceability requirements (Interest Cover Ratios).
Exit Fees: You must account for any “break costs” or yield maintenance on your current fixed-rate loan.
Upfront Costs: Refinancing involves valuation fees, legal costs, and potential “points” or establishment fees for the new facility.
We facilitate several refinance structures tailored to the Australian market:
Rate and Term Refinance: Replacing your current loan with a new one at a better rate or a longer maturity.
Cash-Out Refinance: Accessing the “trapped equity” in your property to fund business operations, renovations, or further property purchases.
Interest-Only Refinance: Transitioning to an interest-only period (common for value-add projects) to maximise short-term liquidity.
Residual Stock/Bridge Refinance: Often used by developers to exit a construction loan and move into a lower-cost “investment” loan while selling down units.
Typical structures for Australian assets (subject to deal specifics)
Loan Size: 750,000 AUD to 50,000,000+ AUD
Leverage (LVR): Typically 60% – 75% LVR (Loan to Value Ratio).
Benchmark Rate: Priced off the BBSW (Bank Bill Swap Rate) or the 3-5 year swap curve.
DSCR / Interest Cover: Lenders look for strong Net Operating Income (NOI) to cover debt service safely.
Stop chasing banks and start comparing clear, transparent term sheets tailored to your specific investment goals.
Given the volatility in the RBA cash rate, many investors are choosing to refinance now to lock in fixed rates or move to more flexible non-bank lenders.
Yes. A “Cash-Out” refinance is a common way for Australian sponsors to access capital for new projects or partner buyouts without selling the asset.
Yes. We facilitate refinancing for assets across all major Australian markets, including Sydney, Melbourne, Brisbane, Perth, and Adelaide.
Absolutely. We specialise in “stabilisation” refinances, helping you move from high-cost bridge or private debt into a long-term, low-cost bank facility once your property reaches full occupancy.
