RESIDENTIAL MORTGAGES

Lawrence Commercial will help a borrower talior the best loan for a new purchase, or to refinance an existing loan and lower monthly repayments.

Loan options include:

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

INVESTMENT MORTGAGES

Lawrence Commercial will help a borrower talior the best loan to ensure a borrower gets the maximum value on investment.

Loan options include:

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

COMMERCIAL MORTGAGES

Lawrence Commercial offer a range of loans available for businesses interested in purchasing their own premises.

Lawrence Commercial will help a borrower structure the best loan suited to a borrower's needs, taking into account a borrower's business structure, cash-flow, tax requirements etc.

Loan options include:

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

SHORT TERM FINANCE

Short term finance is required in situations when there is a need to bridge the financial gap. This may be the time between the purchase date of one property and the settlement date of another or to enable the realisation of an opportunity whilst awaiting approval for long term finance.

Short Term Finance Purposes

• Urgent property finance to quickly secure a property purchase or development site
• Increase working capital
• Secure a business opportunity or expansion
• Prevent a business cashflow shortfalls
• Urgent business or investment opportunity that can't wait for traditional finance

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

BRIDGING LOANS

Bridging loans and short term finance is required in situations when there is a need to bridge the financial gap. This may be the time between the purchase date of one property and the settlement date of another or to enable the realisation of an opportunity whilst awaiting approval for long term finance.

Bridigng Finance Purposes

• Urgent property finance to quickly secure a property purchase or development site
• Increase working capital
• Secure a business opportunity or expansion
• Prevent a business cashflow shortfalls
• Urgent business or investment opportunity that can't wait for traditional finance

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

SECOND MORTGAGES

Second mortgages or caveat loans are another mortgage on top of a borrower's existing commercial or residential property.

Typically caveat loans are used for a variety of urgent business and investment purposes including:

• Securing urgent funds to purchasing an investment or commercial property ahead of other potential bidders
• Working capital for a business
• Securing deposit funds for a development site ahead of other potential buyers

Acceptable securities offered to secure short term funds include residential, commercial, retail, industrial vacant land and development sites.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

PRIVATE MORTGAGES

Private Mortgages can be funded to clients for business and investment purposes only.

Whilst the private mortgages are generally used to achieve client caveat loans, second mortgages and short term business finance needs, they can also assist many borrowers with:

Private Construction Loans
Commercial Property Finance
Property Development Finance

Acceptable Security for Short Term Loans:

• Residential Properties
• Commercial Properties
• Industrial Properties
• Display Homes
• Vacant Land (LVR restrictions apply)
• Rural Properties (LVR restrictions apply)

Unacceptable Security for Short Term Loans:

• Units with living areas less than 50sqm
• Hotels, Motels and serviced apartments
• Leasehold properties
• Heritage listed properties
• Contaminated land
• Flood affected properties
• Construction Finance

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

MEZZANINE

Sometimes the need for an additional 10-15% LVR to purchase a property due to limited cash, or simply want to contribute less to boost your return on equity, mezzanine loans are a useful tool for boosting a loan size against the property value.

Lawrence Commercial can help deliver mezzanine funds via a simple second mortgage or for larger requirements seamless senior and subordinated loan structures.

Mezzanine finance is a customised process based on strength of the borrower, experience, and the fundamentals of the property.

• Contribute a very small equity amount to purchase or hold a property
• Own a greater number of properties for any given equity amount
• Improve your ROE on funds invested in a property
• For construction, conserve your cash and have greater funds available for purchase of your next development site

SPECIALISED PROPERTY

Specialised properties such as child care, aged care, car parks, petrol stations, conference centres and leisure assets such as resorts need experienced hands to optimise gearing and pricing.

Hotel and nightclub owners value cashflow and flexibility in their funding arrangements. Hotels and pubs come in all styles and locations. Some are food and beverage hotels, others rely on poker machines and accommodation assets. Good nightclubs are strong cash generators.  Most licensed owners hold several properties in close proximity to one another.

Whether purchasing a hotel freehold, leasehold, owner occupied or managed Lawrence Commercial look to maximise your trading profit and minimise interest costs.