Giles Financial Group

Giles Financial Group Mortgage Broker - launching 2025

What are lenders often looking for when assessing a commercial property? 🏢Reliable 👏 rental 👏 income 👏That means... Reli...
03/06/2026

What are lenders often looking for when assessing a commercial property? 🏢
Reliable 👏 rental 👏 income 👏

That means...
Reliable tenants. Reliable leases.

For many commercial lenders, the rent roll tells a big part of the story. It shows:

📋 Who the tenants are
💰 How much rent is being paid
📅 How long the leases run for
🔒 How secure and diversified the income stream is

A property with strong tenants and long lease terms will often be viewed very differently to one with short-term leases or vacant space.

Because in commercial lending, lenders aren't just assessing the borrower. They're assessing the income-producing asset too.

That's why understanding the lease profile/asset class before making an offer can be just as important as understanding the purchase price.

Let's be real for a second.Saving a deposit while paying rent, rising bills, and everything else life throws at you can ...
03/06/2026

Let's be real for a second.

Saving a deposit while paying rent, rising bills, and everything else life throws at you can feel like running on a treadmill. 🏃

The reality is, many first home buyers assume they need a 20% deposit before they can even start looking.

Often, that's not the case.

🏡 Government schemes
👨‍👩‍👧‍👦 Family guarantee options
💰 Low deposit lending solutions
📊 LMI waivers for eligible professions

There may be more pathways to home ownership than you realise.

Before you rule yourself out, let's look at the numbers and work through your actual options, not the hypothetical ones.

You’ve probably heard by now that your super fund isn’t limited to shares and the stock market.For some Australians, com...
01/06/2026

You’ve probably heard by now that your super fund isn’t limited to shares and the stock market.

For some Australians, commercial property inside an SMSF is becoming an increasingly popular long-term wealth strategy. 🏢

That can include:

🏭 Warehouses and industrial property
🏢 Office suites
🛍️ Retail and mixed-use spaces
🏬 Even the premises your own business operates from

When structured correctly, rental income flows back into the super fund and the asset sits within a tax-advantaged environment.

But SMSF lending is one of those areas where structure matters enormously.

📋 Bare trusts
⚖️ Sole purpose test requirements
🔄 Related-party lease rules
🏦 Specialist lender policies

A good structure can create long-term flexibility and wealth-building opportunities. A poor one can create expensive compliance issues.

That’s why we work closely with accountants and financial advisers to help structure SMSF commercial lending properly from the start.

Most business owners assume commercial property ownership is out of reach.In reality, it’s often the misconceptions arou...
01/06/2026

Most business owners assume commercial property ownership is out of reach.

In reality, it’s often the misconceptions around deposits, complexity, and accessibility that stop the conversation before it even starts. 🏢

A lot of businesses continue paying rent for years without realising there may be pathways to owning the premises instead.

That can sometimes involve:

💰 Using existing equity as part of the contribution
🏦 Specialist commercial lending structures
📊 Purchasing through a company or SMSF
🧩 Tailoring repayments and loan structure to cash flow

Commercial property isn’t the right fit for every business. But for the right scenario, owning the premises can create long-term control, stability, and equity growth.

Sometimes the biggest barrier is simply assuming it’s not possible.

If you’ve ever thought about owning your business premises, it’s probably worth at least having the conversation.

Buying your first home can feel overwhelming.Not knowing where to start is more common than you think.Darcy’s experience...
31/05/2026

Buying your first home can feel overwhelming.

Not knowing where to start is more common than you think.

Darcy’s experience highlights what makes the difference:

🧠 Clear, simple explanations
💬 Questions answered without pressure
🤝 Support every step of the way

Because it’s not just about getting approved.
It’s about feeling confident in every decision you make. 📊

That’s how it should be.

Who had petrol becoming a luxury item on their 2026 bingo card? ⛽Cost of living pressure is real right now, and for a lo...
31/05/2026

Who had petrol becoming a luxury item on their 2026 bingo card? ⛽

Cost of living pressure is real right now, and for a lot of households, repayments and day-to-day expenses are starting to bite.

There may be ways to improve cash flow or reduce pressure through:

💰 Refinancing
📉 Debt consolidation
🏦 Reviewing your current loan structure
🧩 Exploring more suitable lending options

Sometimes small structural changes can make a meaningful difference.

Aussies love a European holiday… but lately the flights, crowds, and exchange rates have made it a much bigger exercise....
29/05/2026

Aussies love a European holiday… but lately the flights, crowds, and exchange rates have made it a much bigger exercise. ✈️

The good news? Some of the best travel experiences are a little closer to home. 🌏

Places like Japan, Vietnam, Thailand and parts of South Korea are becoming increasingly popular for Australians looking for:

🍜 Incredible food and culture
💱 Better value for money
📸 Bucket-list scenery and experiences
🚅 Easy transport and accessibility

Sometimes the best trips aren’t the furthest away. They’re the ones that give you the best experience for the budget you actually want to spend.

And honestly… Japan keeps climbing the rankings for a reason. 🇯🇵

Yep… brokers do a lot more than just car loans. 🚗Depending on the scenario, finance can sometimes help fund things like:...
29/05/2026

Yep… brokers do a lot more than just car loans. 🚗

Depending on the scenario, finance can sometimes help fund things like:

⛵ Boats and jet skis
🏡 Renovations and home upgrades
💍 Weddings and major life events
🚐 Caravans and motorhomes
✈️ Holidays and travel plans

A lot of people are surprised at how broad personal and asset finance can actually be.

The key is making sure the finance fits the purpose, the repayments are comfortable, and the structure makes sense for your situation. 🧩

If there’s something you’ve been putting off because of upfront cost, it might be worth having the conversation first.

Every state has a sector that’s booming right now and the investors who move fastest usually aren’t scrambling to organi...
27/05/2026

Every state has a sector that’s booming right now and the investors who move fastest usually aren’t scrambling to organise finance at the last minute. 📍

Opportunity tends to favour the prepared.

Whether it’s:

🏗️ Industrial and warehousing
☕ Hospitality and tourism
🌾 Agribusiness
💻 Professional services and office space
🛍️ Retail and mixed-use assets

The businesses and investors growing successfully usually have funding, buffers, and strategy lined up before the opportunity appears.

Because in commercial property and business, timing matters.

Swipe through to see where growth is happening around Australia right now. 👉

💬 Where are you seeing the most momentum in your state or industry lately?

One of the most common questions from investors moving into commercial property is:“Will I be assessed the same way as m...
26/05/2026

One of the most common questions from investors moving into commercial property is:

“Will I be assessed the same way as my home loan?” 🏢

Short answer? Not really.

Commercial lending is often assessed far more on the strength of the deal itself:

📊 The property type and location
💰 The income and lease profile
🏦 Your experience, liquidity and overall position
🧩 The lender’s appetite for that specific scenario

Which means two lenders can look at the exact same deal very differently.

That’s why commercial finance isn’t just about getting a rate. It’s about understanding how lenders actually assess risk, structure, and strategy behind the scenes.

A good broker can submit an application.

A great commercial broker knows how to position the deal in the way lenders want to see it. 🎯

Address

Adelaide, SA

Website

Alerts

Be the first to know and let us send you an email when Giles Financial Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category