We help Australian property owners unlock equity and reduce monthly repayments by matching their assets with the most competitive refinance terms from our extensive panel of bank and private lenders.
A commercial mortgage refinance allows Australian property owners to replace an existing facility with new financing on more favourable terms. Whether you are looking to improve cash flow, unlock equity, or transition from a private lender to a major bank, Clopton Capital provides the expertise to secure the right structure for your asset.
Typical structures and terms (varies by deal)
What we need to quote your deal
It is our goal to give our clients on-demand access to the most competitive commercial mortgage lenders and commercial real estate loans in Australia. Our history of closed deals in the commercial sector is evidence of our strength in developing deep lender relationships.
From initial underwriting to settlement, you will be kept abreast of every development in keeping with Clopton’s policy of full transparency. Whether your application is for a boutique office in Melbourne or a large industrial portfolio in Brisbane, you receive our undivided attention to get your funding in place as quickly as possible.
As an independent commercial mortgage broker, we provide a single point of entry to the entire Australian capital market. We categorize our capital sources into three tiers to help you find the right balance of cost and flexibility.
Tier 1: Major Financial Institutions These are the “Big Four” and major national banks. They offer the most competitive interest rates and long-term stability but maintain the strictest credit requirements and slower approval timelines.
Tier 2: Non-Bank & Challenger Lenders This tier includes agile, well-capitalized institutions that compete with major banks. They often provide more flexible “Alt-Doc” options and higher leverage (LVR) for borrowers who don’t fit the rigid Tier 1 box.
Tier 3: Private Debt & Managed Funds This category consists of private credit funds and family offices. They are the go-to for time-sensitive bridge loans, complex construction projects, and “outside the box” scenarios where speed and certainty of execution are more important than the lowest possible rate.
Skip the bank queues and get a clear comparison of your best lending options within 72 hours. Our local expertise ensures your deal stays on track.
For clean data sets, initial lender feedback is often available within 24-72 hours.
Yes. We facilitate financing across all Australian states and territories, including major capital cities and regional markets.
Most programs start around 750,000 AUD, but we can advise on smaller needs case-by-case.
Yes. Non-recourse is common for stabilized assets and certain bridge executions; terms depend on leverage and the specific lender’s appetite.
The BBSW (Bank Bill Swap Rate) is the mid-point of the rate at which Australian banks lend to each other. It is the standard benchmark for commercial loan pricing in Australia.
