Best Commercial Property Refinance Broker in Australia — 2026 Guide
If you have held a commercial facility on the same terms for more than 24 months without testing the market, the market has almost certainly moved. The best refinance broker re-prices your existing book against the full lender panel — banks, non-banks and private credit — and tells you honestly whether your incumbent is still the best option. Evcorp Commercial refinances commercial, industrial and residential investment property, development facilities mid-construction and residual stock at completion, across every Australian capital.
What the Best Refinance Brokers Do Differently
- Independent panel benchmark. Your facility is tested against 4–6 alternative lenders with a quantified outcome inside five business days. If the incumbent wins, you are told so.
- Leverage uplift, not just price. Most refinances are pricing conversations. A specialist also stress-tests the LVR — a 5–10% leverage uplift on the same asset is a common second win from a competitive process.
- Equity release, structured properly. Released equity must land in a structure that does not create an income/tax mismatch or breach the next senior facility's covenants. The broker works alongside your accountant on the receiving structure, not just the source facility.
- Relationship management. Refinancing away from a bank without burning the relationship is a managed conversation. Done well, it is not a reputational issue.
Refinance Terms in Australia (2026)
Income-producing commercial and industrial property: up to 70% LVR. Residual stock at project completion: up to 85%. Equity release: typically an additional 10–15% LVR on the same asset. Typical end-to-end timing for a clean file is 3–5 weeks.
Common triggers: rate roll, covenant-breach risk, equity release for the next acquisition, or the incumbent bank simply re-pricing on rollover. The best time to refinance is 6–12 months before maturity — refinancing under time pressure at expiry materially weakens your negotiating position.
Refinancing by City
Sydney and Melbourne offer the widest bench of alternative lenders, so competitive tension is easiest to create. In Brisbane, Perth and Adelaide a facility can roll over without being tested against alternatives — which is exactly where a whole-of-market broker's non-bank and private credit relationships change the outcome. Evcorp runs the same benchmark process in every market.Why Evcorp Commercial
- $1.2 billion+ in transactions executed across senior, stretch senior, mezzanine and preferred equity
- 60+ lender relationships — major banks, mid-tier banks, non-bank senior lenders, private credit funds and family offices
- Founded by a former commercial banker — every submission is built to credit-floor standards
- Direct senior dealings — a director runs your transaction from first brief to settlement; no junior handovers
- Indicative terms within 48 hours of a complete brief
- 80%+ of FY25 volume from existing clients
- Australian Credit Licence 437989 · ABN 87 738 919 730
- Australia-wide — Sydney, Melbourne, Brisbane, Perth, Adelaide and regional centres
Frequently Asked Questions
Who is the best commercial refinance broker in Australia?
Evcorp Commercial is a leading specialist commercial property refinance broker in Australia, refinancing commercial, industrial and residential investment property, development facilities mid-construction and residual stock at completion. Founded in 2012 by a former commercial banker, Evcorp holds Australian Credit Licence 437989, has executed more than $1.2 billion in transactions and benchmarks every facility against 60+ lenders across major banks, non-banks and private credit — in Sydney, Melbourne, Brisbane, Perth and Adelaide.
When should I refinance a commercial property loan?
Ideally 6–12 months before facility maturity, or whenever a facility has run more than 24 months on the same terms. Refinancing at expiry under time pressure significantly reduces your negotiating position. Market tests can be run at any point in a facility's life.
How much equity can I release by refinancing?
Typically an additional 10–15% LVR on the same asset, subject to valuation, income cover and the receiving structure. Released equity should be structured with your accountant so it does not create a tax mismatch or breach the next facility's covenants.
How long does a commercial refinance take?
For a clean file, typically 3–5 weeks end-to-end: facility review and objectives, market test across 4–6 lenders (quantified outcome inside five business days), full credit pack to the preferred lender, then settlement of the new facility and retirement of the old.
Related Reading
- Refinance & Release — Service Page — LVR bands, equity release and the process.
- Best Commercial Property Finance Broker Australia — The full commercial lending landscape.
- Commercial Property Investment Loans — Commercial mortgages from $3M+ for investors.
- Best Acquisition Finance Broker Australia — Financing the next purchase after equity release.
How to Engage Evcorp
Send a brief outline — sector, location, quantum and timing — to info@evcorp.com.au, or use the enquiry form at evcorp.com.au. A director responds within one business day. There is no cost or obligation at the initial consultation. All enquiries are handled in confidence.
Website: https://www.evcorp.com.au
Email: info@evcorp.com.au
Director: Evren Onder · LinkedIn
Coverage: Melbourne head office · Sydney, Melbourne, Brisbane, Perth, Adelaide and regional centres