Commercial property with greenery growing down the side.

Property Finance

Trusted Australian property finance brokers

Buying a property is one of the biggest financial commitments you can make. Whether your property needs are residential or commercial – for personal or business – Ledge is committed to assisting you with your property finance requirements.

Ledge Finance has been providing property finance to Perth residents and businesses alike in Perth for over 40 years.

We are one of Western Australia’s most trusted property and commercial finance brokers and hold an Australian Credit Licence (No. 392211).

We pride ourselves on delivering solutions personally tailored to your circumstances, including variable rate loans, fixed rate loans, or a combination of both.

Ledge’s long-term relationships with a number of lenders work to your advantage, giving you access to competitive rates and flexible terms and conditions you would be unlikely to access from the lender directly.

Our services save you time and money and help relieve the stress of deciding what finance option is best for you.

Our residential property loans are also available to the employees and families of our clients, providing them with access to the range of fantastic benefits available when using Ledge.

Facilitating property finance for developers and their clients

Urbane Projects, a custom home builder and design company, based in Melville WA, partnered with Ledge to enable their clients to secure tailored property finance solutions.

Ledge is proud to have structured many complex property loans and facilitated the entire process for a number of Urbane Projects clients.

We spoke to Steve Gliosca, Managing Director at Urbane Projects and here is what he had to say about his experience working with us.

Property finance solutions for all your needs

If you are seeking finance for a commercial property, Ledge can help. Contact us today for more information on how we can assist and streamline the process.

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Property development finance

If you are developing a property, you may require development finance.

At Ledge, we provide varying development finance solutions for your residential and/or commercial property development plan.

Development loans are generally more complex than traditional residential and commercial property loans for established properties. This is because funds are released in stages in line with the building contract and development program rather than one upfront sum.

Contact us today to learn more about how Ledge can assist you with your development finance.

Industrial/commercial property finance

Industrial or commercial property loans are a necessity for business owners who want to buy their own premises.

If you’re seeking finance for commercial property, Ledge can assist you. We will work closely with you to understand your circumstances and devise a solution tailored to your requirements.

We have worked with businesses spanning a magnitude of different industries and professions. Get in touch to discuss your commercial or industrial property lending requirements.

Beautifully architecture home.

Home loans

Ledge provides home loan finance solutions tailored to your unique circumstances, including; variable loans, fixed rate loans, or a combination of both.

Check out our home loan finance service or get in touch to see how we can assist you with reviewing your existing home loan or help you source new loan facilities.

Residential investment lending

Residential investment lending is not too different from any other type of home loan. For example, it can help you purchase an investment property or refinance investment home loans from another lender.

At Ledge, we assist individuals and businesses in reviewing their existing loans or help them source new loan facilities.

To find out more, contact us today.

FAQs about property finance

Here are some common questions our executive team gets asked about property finance:

If you are purchasing a residential or commercial property and can’t pay for it with cash, property finance can help. Getting a property loan from a bank/lender allows you to borrow the money required to pay for the property. You then make repayments to the lender, plus interest, to pay off the loan over a certain period. How much you can borrow is dependent on the lender and your circumstances. To find out more, speak to a Ledge Finance Executive.

The amount you can borrow and the terms of the property finance loan will vary depending on the lender and the individual circumstances of the borrower. In general, however, loans are available for up to 80% of the property’s value for residential and 70% for commercial. There can be situations where banks will lend higher than these ratios and can even fund 100% of the property value. Repayment periods can range from 5 to 30 years and provide an interest-only period. Contact Ledge for more information on your particular circumstances.

The best finance option to buy a property depends on your circumstances and the amount you can borrow. You should speak to one of our Ledge Finance Executives, who will be able to guide you on the best options available to you.

The amount of deposit you will need for property finance will depend on the type of property and value and the loan structure and terms. Generally, you will need a minimum deposit of 20%for residential and 30% for commercial properties.

It is also worth noting that many lenders may charge higher interest rates for loans with a loan-to-value ratio of more than 80%. So, if you can only put down a smaller deposit, you may end up paying more in interest over the life of the loan.

Repayments on a property loan will depend on the amount of the loan, the interest rate, and the term of the loan. In general, you will need to make repayments monthly on a principle and interest basis; however, there is often an interest-only period available if this is preferred

However, some lenders may offer different repayment options, such as weekly or fortnightly repayments. You should speak to your lender about the different repayment options available and compare them to see which would suit you best.

Commercial property loans typically require a deposit of at least 30% of the purchase price. However, some lenders may require a higher deposit depending on the type of property and the loan amount. In certain circumstances and with the appropriate loan structure, some banks can provide 100% funding for commercial properties. For more information, contact us today.

The interest rate on a commercial property loan is usually higher than on a residential mortgage as commercial properties are considered higher risk by lenders. However, interest rates will vary depending on the lender, the loan amount and the term of the loan. Therefore, you should compare interest rates from several lenders before deciding which one to use.

A commercial mortgage broker can help you secure the best loan possible. They have relationships with a number of different lenders and can help you find the one that is the best fit for your needs. They will also work with you to get the best terms possible. Get in touch with a Ledge Finance Executive to learn more about how we can help you secure a commercial property loan.

You may be charged a number of fees from banks, solicitors, settlement agents and valuers when taking out a property loan. These include application fees, valuation fees, and settlement costs. Your Ledge Finance Executive will ensure you are aware of any fees that may apply to your loan.

Yes, you can get a pre-approval for a commercial property loan which will give you an idea of how much money you can borrow and the repayment terms. However, it is important to remember that pre-approval is not a guarantee you will be approved for the loan.