09/09/2026
Commercial property loan holders, this one could save you real money 👇
Industrial, office, retail, childcare and medical properties all included.
Sat down with a Business Banking Manager from a major bank's commercial lending team last week and learned about a policy called Rapid Refi.
It's been used in residential lending for a while, but seeing it applied to commercial is a genuine shift for anyone sitting with a second tier lender or stuck at a higher rate because servicing criteria made switching impossible at the time.
Lenders like La Trobe, Liberty, Judo, RedZed and thinktank do great work, but many borrowers end up there on higher commercial rates simply because they couldn't meet major bank criteria at purchase. Some are also stuck on a high rate or fee structure at a major bank with no way to move.
Under this policy, if your new repayment comes in at least $1 lower per month and you've got a clean repayment history, a switch can be assessed without a full servicing or borrowing capacity check and without income documentation. The lender just wants proof you've met your current commitment and that the new facility lowers it.
Pricing is competitive right now and the valuation fee, which can add up fast in commercial, is covered.
Comment below or call me on 0417 109 585 if you want more detail, and send this to anyone who might be stuck in this exact spot.
Good to see this kind of policy showing up in the market during a tough stretch for a lot of borrowers.
