Commercial Refinancing

What Our Customers Think:

Nick helped us every step of the way, finding us the best deal for our situation and walking us through the steps, offering guidance when required. The customer service was excellent and we have come out the other side much better off than prior to refinancing. Would highly recommend him if you want a quality, tailored solution for your home loan from someone with your interests genuinely at heart!

Shannon Wood

November 2023

Highly recommend Chris as an excellent broker and Vicki for the final stages of the settlement. They were able to sort out a complicated refinance for me and Chris kept in constant contact with me over the process which took a while.

Steve Incerti

November 2023

I cannot recommend enough the help and service. We have no idea of the processes involved and Kurtis has been more than willing to spare valuable time in guiding us.

Dianne Crisp

November 2023

Nick is amazing at what he does!
Financial stuff can be daunting but Nick made the journey through it all feel like a breeze.
Thank you Nick.

Elle Maxwell

November 2023

This is the second time Whiteroom Finance helped us in securing finance. Karl Baker was a great help both times. He is easy to communicate to, explains in simple English and is very proactive. It was a joy to have someone like Karl to help.

Singh K

September 2023

A huge shoutout to Chris and his team for going above and beyond to help us secure our family home. Their dedication and unwavering support made the process so smooth. Highly recommended!

Client Survey Feeback

August 2023

Most amazing team! we had such issues trying to receive a loan but Whiteroom Finance made it so easy and guided us throughout start to finish would highly recommend, was always there whenever we needed.

Sidoroska S

June 2023

Working with Chris and the team to refinance my mortgage was a smooth and easy process, highly recommend.

Kirk T

June 2023

Been working with Chris since 2016. Very professional and finds the best services to suit each loan, and is there every year to review it for you.

Passmore A

May 2023

Whiteroom Finance have been fantastic in helping my partner and I get our first home loan, and then our second, and they have also been a great help in refinancing these loans. They are professional and quick to respond to all of our emails (even after hours and on weekends). They listened to us and made sure to find suitable lenders that offered the home loan structures that we wanted. An enthusiastic 5 stars for these guys.

Pech A

May 2023

Great experience with Whiteroom Finance all the team is really helpful and supportive. Will be using them again!!

Ellery K

March 2023

Thank you for making the process so easy and as pain free as buying a house can be!

Client Survey Feedback

November 2022

Thank you very much to Chris White and his wife Vicki White from Whiteroom. With all of their hard work they made our goal possible. We are very excited the settlement went through today. Neil and I highly recommend their professionalism, knowledge and their dedication. We had a very awkward situation and Chris with his knowledge was able to reach our goals.

Neil & Kaliope C

September 2022

Chris and the team were able to simplify an unclutter the complex and intimidating process of buying our first home. They were readily accessible throughout the journey and we are ecstatic with the final outcome.

James L

August 2022

Thankyou for all your assistance through this journey, it's been a huge learning curve as a first home buyer, but I'm very thankful to have had your guidance throughout the process!

Dana S

November 2022

Refinancing Your Commercial Loan

Firstly, consider why you are thinking about refinancing – what about your current business loan isn’t working for you? You may want to consolidate multiple loans into one, or reduce your repayments by opting for a loan with a lower interest rate. Perhaps you’d like to free up capital or gain more flexibility within your business. Once you consider your goal for committing to a commercial refinance, it will be far easier to evaluate the options available to you.

Carefully consider the pros and cons – ensure you understand the associated fees with leaving your current loan, as well as the costs and benefits of the prospective loans you are considering. These factors will inform your decision about whether a refinance is worthwhile.

When Is The Best Time To Refinance?

All of your funding should be reviewed annually to ensure its suitability for the requirements of your business. If your funding hasn’t been reviewed in the past two years, chances are your funding arrangements are no longer keeping up with your business needs and may be priced out of the market. It is best practice to review your funding agreements whenever new funding is arranged.

As your business strategies are updated, it is crucial to review your funding arrangements due to the significant (and often limiting) impact funding structures can have on business strategies. Your broker should always be involved in – or at least advised of – any changes to your business strategies so as to ensure funding will not be a roadblock.

Potential Benefits of Commercial Refinancing

Commercial refinancing with a broker from Whiteroom Finance has the potential to provide a few benefits to your business, including:

  • Working with a broker enables the management of funding to be outsourced to a professional adviser who can efficiently and accurately seek market comparisons.
  • The knowledge and experience of your broker allows for the efficient formation of views on market appetite, as well as related funding terms from a range of providers. This provides you with bespoke funding solutions tailored to your unique business requirements.

Why Choose Whiteroom Finance For Your Commercial Refinancing?

As is the case when taking out a commercial loan, there’s a range of factors you should carefully consider before committing to commercial refinancing. Whiteroom Finance, as your broker, takes the time to discuss and understand the unique requirements and objectives of your business, and how refinancing can assist you in achieving them.

From initial consultation, we’ll analyse your business’s financial position, making recommendations tailored to your situation. Our experienced team are committed to ensuring your loan product remains relevant to your business, as well as offering a free, annual loan review.

Potential Risks of Commercial Refinancing

As with all financial decisions, it is critical thoughtful consideration is given to the situation before committing to a refinance. Some potential risks of commercial refinancing include:

  • Internal management of funding tends to rely on a singular financial provider to address all business needs. This can result in a funding solution which is made to fit a provider’s product or service rather than delivering a solution to suit the unique needs of your business.
  • Often limited options are explored and considerable time is taken to arrange a solution with internal refinancing decisions. This is where working alongside a Whiteroom Finance broker can be a far more efficient use of your time.
Choose A Commercial Loan That’s Right For You. Refinance With Whiteroom Finance
a couple calculating their debt

The Whiteroom Commercial Refinancing Process

Our experienced team will work with you throughout your commercial refinancing journey, aiming to make the process as smooth and stress-free as possible.

Enquiry / Initial Conversation

Once you reach out to us, you’ll be connected with an experienced broker who will assist with your enquiry. We will gather all the relevant information about your current loan arrangements and your ongoing needs – considering market offers where possible.

Client Meeting

Following your initial contact with Whiteroom Finance, we will arrange a meeting between you and your broker. This meeting serves as a forum for us to gain a detailed understanding of your current situation and business objectives moving forward. During this meeting you will have the opportunity to advise us of what you like and dislike about your current arrangements (e.g. funding provider, service, etc.)

Business Analysis

Once all supporting information about your current situation and business objectives has been gathered, we will complete an analysis of your business’s performance. Our analysis includes examining the drivers of the need for finance, as well as suitable funding options that may be available to your business.

Finding You A Suitable Loan Product

Your Whiteroom Finance broker will liaise with various lenders and funding providers to form an opinion on the suitable options for your business and related objectives. Once we have a sound understanding of the options available to you, we’ll present the solutions and their strategy to you for implementation.

Ongoing Support

Once the implementation of your chosen refinancing product is complete, we will continue to assist you with your ongoing needs, including monitoring the suitability of your funding. Your Whiteroom Finance broker will be available to you if your business strategies change, or ad hoc needs arise.

Why Choose Us?

As a customer-centric finance broking firm, we ensure all our clients feel valued at Whiteroom Finance. We pride ourselves on delivering personal, high-quality service to all clients – from first time borrowers to large scale corporations. At Whiteroom Finance, we deliver tailored solutions suited to the unique financial requirements and goals of your business.

Experience The Whiteroom Finance Difference