Grow Your Business with Commercial Property Loans

Get Some Professional Advice First

Investing in a commercial property in Australia is a great way to expand your business or build your investment portfolio. Whether it’s a retail space, office, or industrial facility, having the right financial support can make all the difference. The right commercial property loan gives you the support you need to achieve your real estate goals.

Finding the right financing is a crucial part of investing in commercial property, and Q Financial is here to help. With access to competitive interest rates and expert guidance, we ensure the process is straightforward and rewarding.

What Are Commercial Property Loans?

A commercial property loan is a type of business loan that supports businesses and investors in purchasing, refinancing, or developing properties for commercial purposes. Unlike residential loans, these loans are designed for commercial real estate, providing features like higher loan amounts, flexible repayment options, and eligibility criteria suited to business and investment purposes.

In Australia, commercial property loans help businesses and investors secure properties for business or investment purposes. They are often used to expand operations, relocate, or grow a property portfolio. These loans provide essential support for making the most of opportunities in the commercial property market.

How Does a Commercial Property Loan Work?

A commercial property loan finances the purchase or development of non-residential properties like offices, retail spaces, or warehouses. The loan is secured by the property itself, with borrowers typically required to provide a 20%-30% deposit.

Repayments, which include principal and interest, are made monthly over terms of 5 to 25 years. Interest rates can be fixed or variable. Lenders assess the borrower’s financial profile, credit history, and the property’s rental income potential, along with its type, location, and market value. These loans are ideal for individuals and businesses investing in or expanding their commercial real estate holdings.

Why Choose a Commercial Property Loan?

Commercial property loans offer businesses and investors the funding they need to achieve their property goals. Here’s why they are a great option:

Asset Acquisition:

A commercial property loan allows you to acquire a property for your business headquarters or as an investment opportunity. These loans offer the financial means to acquire high-value assets without exhausting your working capital.

Business Expansion:

As your business grows, so do your space requirements. Use a loan for commercial property to secure larger or more strategically located premises, helping you reach new markets or increase operational efficiency.

Long-Term Value:

Commercial properties often appreciate in value, making them a strong long-term investment. This allows businesses and investors to build equity over time, creating a foundation for future financial opportunities.

Custom Solutions:

With flexible repayment terms and specialised financing options, commercial property loans are designed to meet the unique needs of businesses and investors. These loans provide the flexibility and support required to achieve your financial and property goals, whether for expansion, investment, or development.Read More

Development Opportunities:

If you’re planning to build a property from scratch, construction loans or development loans are specific types of commercial property loans that provide funding at different stages of your project. These loans are ideal for projects like constructing new offices, retail spaces, or industrial facilities.

Achieve your property goals with the right commercial property loan. Contact us today to explore your options.

Interest Rates and Terms for Commercial Property Loans

In Australia, commercial property loan interest rates generally range from 3% to 8%, based on factors such as loan type, lender, and borrower profile. Rates can be fixed (staying the same for the loan term) or variable (changing with market conditions). Here are the factors influencing interest rates:

  • Loan Type
  • Borrower Profile
  • Property Characteristics
  • Loan-to-Value Ratio (LVR)

Loan terms typically span 5 to 25 years, with repayment options including interest-only periods or principal-and-interest structures. While longer terms reduce monthly repayments, it increases the total interest paid over time. Fixed-rate loans are ideal for stability, while variable rates may benefit those anticipating rate decreases.

Take advantage of competitive commercial property loan interest rates in Australia. Contact us today to find the right loan terms for your needs and secure the best rates.

Who Can Benefit from Commercial Property Loans?

Commercial property loans are a great option for many Australians, providing flexible financial solutions to meet different needs. Whether you’re a business owner, investor, or developer, these loans offer the support you need to reach your goals. Commercial Property Loans are ideal for:

  • Small and Medium Enterprises (SMEs)
  • Large Corporations
  • Real Estate Developers
  • Property Investors
  • Individuals with SMSFs

Curious if a commercial property loan is right for you? Reach out to us today, and let’s explore how it can support your goals.

Eligibility Criteria for Commercial Property Loans

Securing a commercial property loan involves meeting specific criteria to show your ability to repay the loan. Although requirements can differ among lenders, there are common factors they assess when reviewing your application:

Strong Credit History:

Lenders usually look for a credit score of 650 or higher, as it shows your business has a reliable history of repaying debts. A strong credit history makes it easier to get approved and can lead to better terms, like lower interest rates or a higher loan amount. If your credit score is lower, you might still get approved, though the loan could come with higher costs or tighter conditions.

Stable Financials:

Having stable financials is important as it shows lenders that your business is reliable and capable of managing loan repayments over time. A steady income and good financial health give lenders confidence that you can handle the financial responsibilities of a commercial property loan without issues.

Property Valuation:

Lenders require a professional valuation to determine the accurate market value of the property you’re purchasing or refinancing. This process considers factors like the property’s location, condition, size, and recent sales of similar properties in the area. The valuation ensures the loan amount does not exceed a safe percentage of the property’s worth, helping lenders minimise their risk.

Loan-to-Value Ratio (LVR):

Most lenders offer loans covering 70–80% of the property’s value. This means you’ll typically need to contribute a deposit of 20–30%. A lower LVR may increase your chances of approval and reduce your interest rate.

Collateral:

Most commercial property loans require collateral. Lenders typically prefer standard assets that are easier to assess and sell. Properties considered higher risk may need a more detailed evaluation before approval.

Standard Properties (These are preferred by lenders):

  • Offices
  • Factories
  • Retail spaces

Specialised Properties (Considered as high risk and need detailed evaluation) :

  • Hotels
  • Farms
  • Restaurants

Risks and Considerations of Commercial Loans

While commercial property loans can open the door to valuable investment opportunities, they also come with several risks and considerations that borrowers should understand:

Market Volatility:

Property values and rental demand are influenced by market conditions. Economic downturns or shifts in local markets can reduce rental income and property values, impacting your ability to pay the loan or sell the property at a profit.

Higher Costs:

Compared to residential loans, commercial property loans in Australia often have higher interest rates for commercial property loans, larger deposits (typically 20%-30%), and additional fees like valuation, legal, and ongoing management costs, which can add to the overall cost of borrowing.

Cash Flow Challenges:

Maintaining consistent cash flow can be difficult. Tenant vacancies, delayed payments, or unexpected maintenance expenses can disrupt income, making it harder to meet loan repayments. For properties with long vacancy periods, this risk is particularly high.

Shorter Loan Terms:

Unlike residential loans that can extend up to 30 years, commercial investment property loans often have terms between 5 to 25 years. This shorter term means higher monthly repayments, which can strain your finances if not properly planned.

Economic Downturns:

Broader economic factors, such as inflation, rising interest rates, or reduced consumer spending, can affect property demand and profitability. During recessions, commercial properties may be harder to lease or sell.

Property-Specific Risks:

Specialised properties or those in rural areas may have limited tenant demand, affecting income potential. These properties also tend to have higher deposit requirements and interest rates.

How to Manage These Risks

Managing the risks associated with commercial property loans requires proactive planning and informed decision-making. Here are some practical steps to help you stay ahead:

  1. Understand the Market. Research local demand, rental trends, and vacancy rates to identify properties with consistent income potential.
  2. Maintain a financial buffer to cover unexpected costs like repairs or vacancies, ensuring you can meet repayments during tough periods.
  3. Review Loan Terms Regularly. Monitor your loan conditions and consider refinancing if interest rates for commercial property loans change, potentially saving money in the long run.
  4. Seek expert advice from a professional like a mortgage broker to find loan options that suit your financial goals.
  5. Stay Informed. Keep up with economic trends and property market changes to adapt your investment strategy and avoid surprises.

Stay ahead of the risks with a solid plan in place. Reach out to us for expert guidance on managing your commercial property loan and achieving your investment goals.

What Are the Common Types of Commercial Property Loans?

Australia offers different types of commercial property loans, each designed for different financial situations and investment goals. Below are some of the most commonly used options:

Standard Commercial Loans:

These are versatile loans used for purchasing or refinancing commercial properties. These loans generally offer fixed or variable interest rate options, allowing borrowers to choose what aligns best with their financial plans and preferences.

SMSF Loans for Commercial Property:

These loans enable Australians to use their self-managed super funds (SMSFs) to invest in commercial real estate. This option is popular among investors looking to build retirement wealth, but it comes with strict regulations and requirements.

Low Doc Commercial Property Loans:

Designed for self-employed borrowers or those with limited financial documentation, these loans offer a more flexible application process. However, low-doc commercial property loans often have higher interest rates because of the limited documentation provided.

While the loans listed above are the most common, there are many other types of loans for commercial property designed for specific scenarios. Selecting the right loan depends on factors such as your financial situation, investment strategy, and the type of property you plan to buy.

Guide to Applying for a Commercial Property Loan

Applying for a commercial property loan becomes easier when broken into simple steps. Here’s how you can get started:

1. Define Your Needs

Begin by determining the purpose of the loan, such as purchasing, refinancing, or developing a commercial property. Determine the loan amount you’ll need and ensure it aligns with your financial plans and business goals.

2. Check Eligibility

Review the lender’s requirements, such as credit score, loan-to-value ratio (LVR), and financial stability criteria. Being clear about these conditions can save time and improve your chances of approval. If you have limited documentation, consider options like low-doc commercial property loans, which have simplified requirements.

3. Prepare Required Documentation

Gather all necessary documents to help lenders assess your financial health and the value of the property. Having these documents ready ensures a smoother loan application process:

  • Business Financial Statements
  • Tax Returns
  • Property Valuation Report
  • Bank Statements
  • Proof of Ownership (if applicable)
  • Lease Agreements (if applicable)

4. Use a Loan Calculator

Utilise a commercial property loans calculator to estimate your monthly repayments and understand how different interest rates and loan terms will affect affordability. This can help you determine the best loan structure for your situation.

5. Submit the Application

Provide the required details and documentation to the lender. Make sure all information is correct and complete to prevent any delays in the approval process.

6. Approval and Settlement

After the loan is approved, funds are provided by the lender, which can then be used to finalise your property purchase or project. The settlement process includes signing the loan agreement and addressing all necessary legal and financial responsibilities.

Need help with the application process? Speak with our experienced mortgage broker today to simplify the steps and find the right lender for you!

Make the Most of Your Commercial Property Loan

Securing the right loan is essential for achieving your business or investment goals. Whether you’re expanding your operations, starting a new project, or purchasing your first commercial property, understanding the loan options available and meeting eligibility criteria can make all the difference. With the right approach, a commercial property loan can open doors to long-term growth and success.

At Q Financial, we make securing a commercial property loan simple and stress-free. With flexible solutions and expert support every step of the way, we’re here to help you achieve your property goals. Contact us today to get started!Read Less

More Information About The Government Help Can Be Found Here

First Home Guarantee

Supporting eligible home buyers to buy a home sooner and avoid paying LMI.

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Regional First Home Buyer Guarantee

Supporting eligible regional home buyers to buy a home sooner, in a regional area.

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Family Home Guarantee

Supporting eligible single parents with at least one dependent to buy a home sooner.

Let’s Talk – For Free

Hi! If you’re a property investor seeking financial guidance  you’ve come to the right place! My name is Quinto, and I will be your trusted and friendly local broker who will guide you every step of the way.

Feel free to reach out to me and my team today to get connected to the home mortgage lenders who will look upon your application most favourably. We promise that you will get an absolutely FREE, no-obligation consultation!

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FAQs on Commercial Property Loans 

Interest rates for commercial property loans are influenced by several factors, including the current market conditions, the type of loan (fixed or variable), the borrower’s credit score, and the lender’s policies. Additionally, the property type, its location, and the LVR also play a role in determining the interest rate. Borrowers with a solid financial profile are more likely to secure competitive rates.

Yes, depending on the state or territory, there may be government incentives available, such as stamp duty concessions for certain types of properties or programs supporting small businesses. It’s a good idea to check with your local government or speak with our team of mortgage brokers to see if you’re eligible for any current benefits when buying commercial property.

Most lenders require a deposit of 20% to 30% of the property’s value. The exact amount depends on the lender’s loan-to-value ratio (LVR) policy and the borrower’s financial profile. Borrowers with strong credit and stable financials may qualify for loans with lower deposit requirements, though it’s important to consider other expenses such as stamp duty and legal fees.

Acceptable securities for commercial property loans typically include offices, retail spaces, industrial buildings, warehouses, medical facilities, and mixed-use properties. Some lenders may also accept specialised properties, such as childcare centres or hospitality venues, but the eligibility often depends on the lender’s criteria and the property’s market demand.

Yes, many commercial property loans can be used for renovations or upgrades. These loans provide funding for improvements that enhance the property’s value, increase rental income, or make it more suitable for business use.

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About us

Why Q Financial?

At Q Financial, we are dedicated to assisting individuals from all walks of life in achieving their financial goals. With our team of experts, including our trusted mortgage broker, Quinto White, we have the expertise to effectively navigate the lending landscape and secure favorable outcomes for our clients.

Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, make Investments, or embark on a New Home Purchase, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your specific financial and lifestyle goals—both now and in the future.

At Q Financial, we are not only committed to our clients but also to the well-being of our planet. We embrace ethical lending practices, actively offset our carbon emissions, and strive to make a positive impact. With your support, we can continue to accomplish even greater things!

Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the process of achieving your financial dreams.

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Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them

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We used Q Financial for our home loan a couple of years ago and again recently to consolidate a personal loan. Always happy with their expertise and service. Highly recommend them
Great experience with Q Financial.They handled our home loan application as well as re-financing.Communication was clear and precise and they got us a package that suited our needs going forward.Whole process was smooth and hassle free and I highly recommend them.
Quinto was very helpful and great at communicating. I am very happy with the service.
BEWAREThis company took all of our information and then GHOSTED us. They knew we were on a short deadline to achieve finance and they strung us a long. Once I uploaded my documents to their site, I haven't heard back from them. I sent texts, left voice message and NOTHING.I am now concerned this is a scam site and my details are stolen.Avoid this company, biggest time wasters.
Michael and Quinto made the process of purchasing a home so much easier. They have been able to make the whole process much more enjoyable and have always made us feel as if we could ask any questions along the way.
Quinto and Michael have been great help with assisting me with securing my first investment property, making the process super easy and stress free, highly recommend!
Quinto and Michael have both been wonderful with helping me sort my first mortgage and home, even going above and beyond to ensure I got my loan with an ethical bank. I highly recommend these legends!
These guys are great ! Every option was offered and advised, so a really informed decision could be made. We have just had to refinance after our 3 year locked in great rate - which they got for us originally, so what could have been a stressful time - it wasn't ! Wouldn't go anywhere else ! Thanks Team !
We have used Q-Financial twice now and won’t go anywhere else. Quinto and Michael make the whole process simple. Thank you guys!
Knowledgeable Guidance:One of the standout features of working with Q-Financial was their deep knowledge of financial matters. They were able to explain complex concepts in a clear and understandable manner, ensuring I was fully informed every step of the way.Overall Satisfaction:I am incredibly satisfied with the services provided by Q-Financial. They not only met but exceeded my expectations, and I would highly recommend them to anyone in need of financial services. Thanks Guys
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As a charity our financing options were limited, Quinto from Q Financial helped us obtain a loan approval with a major bank. Throughout the process, Quinto was proactive in keeping us updated and guided us on the documentation of the information the bank requested, this made is easy for us to quickly respond and get the application progressed. He was always available whenever we had questions and was very professional, getting us the best deal out of options available.!
Cant recommend Q Financial enough, from start to finish the process was easy and stress free.
Great to deal with, absolutely recommend.
Easy team to work with and moved us through the whole process of refinancing with ease. Very insightful as to what the best product is for certain situations and no question was too hard to answer. Very happy!!
I cannot recommend Q Financial enough - Quinto and Michael were available, professional and friendly throughout the whole process of securing and managing our home loan. These guys will find the best possible deal for you with the banks, and will guide you through the processes step by step. Buying a house is hard, but Q Financial definitely made it easier!
Quinto and his team are just awesome. I first made contact less than two weeks before an auction and he ensured I had pre-approval with plenty of time to spare. Thankfully I was the successful buyer and the communication post auction has been great. I highly recommend Q Financial!
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Q Financial made the complex process of mortgage application as streamlined and simple as it could be. Their online data collection system is well laid out and easy to follow. Once our application was lodged with our chosen lender, approval was incredibly fast and no further information was requested. Michael and Quinto have been a pleasure to deal with. Highly recommend.
Quinto and the team have been such a great help with getting our finance. They made everything easy for us and great to talk to. Highly recommend them.
Quinto and Michael from Q Financial have been brilliant throughout the whole process of applying for our home loan. I am the sort of person to stress about the tiny detail but their expert advice made it easy to trust in them and we are very happy with the home loan offer they helped us secure.Michael and Quinto went out of their way to make sure all our questions were answered and were always timely and professors in all our dealings with them.Strongly recommend Q Financial for persons seeking a home loan.
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What You Can Expect: Working with Q Financial

FREE Service

Lenders may eventually charge you a premium for their services. However, you can always count on mortgage brokers to not charge you anything when working with them. That is because they receive a commission from lenders and will not need any sort of compensation from the borrower.

Specialist Advice You Can Trust

Mortgage brokers are governed by the ‘Best Interests Duty’ legislation. Under this law, brokers are mandated to only ever act in your best interests and use their expertise to come up with the best potential result for your home loan application. We know the industry inside out, and our experience with a variety of lenders and financial institutions makes us much more of experts at lending policies and processes than them.

Full-service Support

It is our job to carry out all the legwork on your behalf from start to end, and represent you in a way that will get you the most favourable outcome. We will assess your borrowing capacity, organise your paperwork, and make sure you get approved for a home loan in the most cost-effective and transparent way possible.

Wide Panel of Lenders

We have access to a wide array of lending options, so there should be something out there to fit every individual financial plan. We keep an eye across a large section of the property market, and we compare rates from our wide panel of lenders. We can help you explore those options and make sure you get the right one for you!

Access to Special Discounts and Benefits

Our mortgage brokers are local, so we have a thorough understanding of the local market trends. This knowledge enables us to understand your needs, tailor a loan according to your unique circumstances, and possibly get you preferential treatment — or even discounts where they apply.

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Emma Munro
Emma Munro

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Emma Munro
Emma Munro
August 1, 2023

Excellent service and ongoing advice when buying our first home. Absolutely recommended!

Debbie Hayer
Debbie Hayer
July 27, 2023

Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.

Vicki Baston
Vicki Baston
July 26, 2023

Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩

Aaron Price
Aaron Price
July 18, 2023

We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.

buck69ism
buck69ism
July 11, 2023

Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.

Mr E
Mr E
July 10, 2023

I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!

Natalie Gallagher
Natalie Gallagher
June 27, 2023

We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.

Chris Davis
Chris Davis
June 15, 2023

Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

Paty Vazquez
Paty Vazquez
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June 5, 2023

I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702

Michael Olivotto
Michael Olivotto
May 3, 2023

The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!

Cherie Samson
Cherie Samson
April 19, 2023

Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!

Cherie Olivotto
Cherie Olivotto
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April 19, 2023

Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend

Camille Lagana
Camille Lagana
April 18, 2023

Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.

Chris Casey
Chris Casey
April 8, 2023

Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.

Amanda Casey
Amanda Casey
April 8, 2023

Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)

Liam McIntyre
Liam McIntyre
March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell
Caleb Howell
March 8, 2023

Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers

kaleha costanzo-jones
kaleha costanzo-jones
January 30, 2023

Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!

jai gennat
jai gennat
December 13, 2022

Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.

Bec Boo Yall
Bec Boo Yall
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December 13, 2022

Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.

B BOY
B BOY
December 13, 2022

Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.

jasmine preston
jasmine preston
November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway
Meg Galloway
October 27, 2022

Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!

Akinyemi Abiodun Christopher
Akinyemi Abiodun Christopher
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June 5, 2022

Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.

b mar
b mar
June 3, 2022

Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend

ChilloutHakk
ChilloutHakk
June 2, 2022

Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi
Heidi
June 1, 2022

Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!

Jackson Simon
Jackson Simon
May 12, 2022

Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.

Dave P
Dave P
April 22, 2022
Sophie Holmes
Sophie Holmes
March 29, 2022

As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them

Jeremy Day
Jeremy Day
February 21, 2022

Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.

jennyfromthegym
jennyfromthegym
February 8, 2022

Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!

Alicia Matthews
Alicia Matthews
November 25, 2021

We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!

Julia Ehemann
Julia Ehemann
November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey
Joseph Bailey
November 10, 2021

Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!

Melanie Singh
Melanie Singh
November 8, 2021

As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!

Tim Wilson
Tim Wilson
November 1, 2021

Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.

Sara Schepis
Sara Schepis
recommends
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

Sara Schepis
Sara Schepis
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

scott neale
scott neale
September 16, 2021

Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!

Matthew Collins
Matthew Collins
June 16, 2021

Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.

Linda Dalton
Linda Dalton
May 11, 2021
ariel tobey
ariel tobey
May 2, 2021

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!

Dylan Smith
Dylan Smith
January 25, 2021

Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!

Lewis White
Lewis White
recommends
September 21, 2020

Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!

Anthony Laye
Anthony Laye
recommends
February 17, 2020

What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️

Anthony Laye
Anthony Laye
February 17, 2020

Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!

Nicola Laye
Nicola Laye
February 17, 2020

We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..

Brian Grose
Brian Grose
recommends
October 22, 2019

Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!

Adam Armitage
Adam Armitage
recommends
September 29, 2019

Great guy and great at what he does