Finance question
Can I refinance a high-rate business loan?
Often yes. If you took an expensive unsecured or non-bank business loan when cash was tight, refinancing it against property equity can move it to single-digit rates, closer to a home loan than business debt. On many deals no financials are needed, and ATO arrears are workable.
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The short answer
Trade a punishing rate for a home-loan rate
High-rate business loans are usually taken in a hurry. An unsecured lender or a non-bank moves fast when a bank will not, but the price is a double-digit rate that keeps costing long after the pressure has passed. Ventas is a broker, so once things are steadier our job is to refinance that debt onto a cheaper, more sensible footing.
The tool is property. Refinancing the balance into a facility secured by equity in a home or commercial premises brings the rate down into single digits, because real estate is far stronger security than an unsecured signature. That can cut the interest cost sharply and free up monthly cash flow you are currently handing to the lender.
It is workable even when things look messy. Property-backed refinancing needs no financials on many deals, and ATO arrears are workable, so a business carrying tax debt or thin paperwork can still move off an expensive loan. We compare the payout figure against the new structure and only refinance where it genuinely leaves you better off.
Do you qualify?
What makes a refinance stack up.
Equity to secure it
Home or commercial equity replaces unsecured pricing with single digits.
A costly existing loan
A double-digit or unsecured balance worth moving.
ATO arrears workable
Tax debt does not automatically block a property-backed refinance.
Light paperwork
No financials needed on many deals, subject to lender assessment.
Why refinancing pays off
Cheaper security
Property backs the loan, so the rate drops from double digits to single.
Cash flow back
A lower rate and longer term free up the monthly cash the old loan ate.
Only if it helps
We compare payout to new structure and move only where you come out ahead.
A real example
A business is halfway through an unsecured loan at a double-digit rate, taken during a rough patch. With equity in the owner's home, the balance is refinanced into a property-backed facility at a single-digit rate over a longer term. The monthly repayment drops and cash flow eases. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
How much cheaper will the rate be?
Property-backed pricing sits in single digits versus the double-digit rates unsecured loans often carry. The exact figure depends on the lender and your equity.
Can I refinance if I owe the ATO?
Often yes. ATO arrears are workable on many property-backed deals, subject to lender assessment.
Do I need financials to refinance?
On many property-backed deals, no. The equity carries the deal.
Will you refinance if it does not help me?
No. We compare the payout against the new structure and only proceed where you are genuinely better off.