With Commercial Mortgage

Are you looking to build wealth through Commercial property investment?

In the realm of property investment, commercial real estate stands out as a strategic asset class for investors with substantial equity seeking to shift their focus toward generating consistent cash flow.

Commercial property investment requires an understanding of the complex market factors at work, unique financing requirements, property management options, leasing arrangements, and a good grasp of the potential risks.

Here at Ka-ching Finance, we give you access to multiple lenders, an array of products, flexible terms and negotiate competitive market interest rates.

Types of Commercial loans:

Full Doc: For a full doc commercial loan, you’ll need to provide documents that prove your income, such as tax returns, profit and loss statements, balance sheets, assessment notices, payslips, and group certificates. These documents support and secure the loan based on the commercial property.

Low Doc: In broad terms, low doc loans are designed for individuals who are self-employed and have either an active ABN or an active company. These individuals face challenges in verifying their income or providing financial statements.

Other situations where someone might opt for a commercial low doc loan include:

When a borrower’s financial statements are too intricate to confirm income streams.
When there are numerous paper write-off expenses, such as depreciation.
When there are significant amounts of cash income in the business that may not be fully reflected in the borrower’s financial records.

Lease Doc:

Lease Doc offering offers flexible financing choices for individuals looking to buy, refinance, or release equity from commercial properties. The main requirement for confirming income for this loan is the existing lease from the property used as security, simplifying and speeding up the loan assessment process.

Lease Doc loans allow you to only pay the interest on the loan for a specified period, typically up to 5 years. Principal repayments start after the interest-only period.

With Commercial Lease Doc loans, you can rely on the rental income generated by your commercial property as the main method of confirming your income.
By primarily relying on the existing lease for income verification, this product simplifies the borrowing process for applicants.
Maximum LVR: 75%
The lease should be valid for a minimum of 12 more months.

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Who is Ka-ching

At Ka-ching Finance, we recognise that for many clients, it's not just about getting the loan.
We provide an end-to-end solution for clients who want to start or grow their property portfolio. How?

STRATEGY

Strategy is absolutely essential to the home buying process. We understand that starting a property journey can be overwhelming, which is why we offer a personalised approach, by working with you to identify your financial situation, goals, and preferences to develop a mortgage strategy that suits your needs.

STRUCTURE

We are dedicated to aiding you in navigating the diverse landscape of mortgage products offered by various lenders. Our team works diligently on your behalf to identify the optimal mortgage loan tailored to your requirements, serving as intermediaries to facilitate the loan securing process.

SUPPORT

We utilise the latest research, data and insights to provide total due diligence on properties you're looking to purchase. At Ka-ching, Finance we're more than your typical mortgage broker. From finding the property, financing the purchase and securing your investment success for the long term - we're by your side.

Our Lenders

With thousands of mortgage products from over 35 lenders, whether it's a first home, an investment property, refinancing or a construction loan, we’re confident of finding you the right home loan match!