'%3e%3cpath%20d='M239.9%2019.18L226.9%2033.69L226.88%2033.66L198.3%2065.1C198.02%2065.53%20197.12%2066.16%20197.02%2066.23C195.97%2067.05%20194.72%2067.49%20193.42%2067.49C191.23%2067.49%20189.43%2066.2%20188.47%2064.99C178.97%2054.61%20161.09%2035.09%20159.69%2033.63H159.67L159.57%2033.52C151.21%2023.65%20139.04%2018%20126.17%2018C114.15%2018%20102.94%2022.8%2094.59%2031.51L120.46%2060.36C121.11%2057.78%20123.46%2055.89%20126.17%2055.89C128.03%2055.89%20129.75%2056.75%20130.88%2058.26C140.47%2068.76%20158.5%2088.49%20159.91%2089.97H159.92L160.02%2090.08C160.52%2090.67%20161.06%2091.28%20161.64%2091.89L161.92%2092.18H161.89C170.14%20100.85%20181.66%20105.81%20193.58%20105.81C205.5%20105.81%20216.36%20101.2%20224.65%2092.84L290.94%2019.18H239.9ZM193.42%2055.9C196.14%2055.9%20198.44%2057.72%20199.11%2060.31L225.02%2031.55C216.66%2022.81%20205.45%2018%20193.42%2018C181.39%2018%20169.94%2022.97%20161.69%2031.66L187.72%2060.3C188.39%2057.75%20190.75%2055.9%20193.42%2055.9ZM126.17%2067.69C124.86%2067.69%20123.58%2067.25%20122.55%2066.43L122.52%2066.46L122.28%2066.28L83.41%2022.94L80.04%2019.17H29L94.8%2092.49L94.89%2092.4L95.1%2092.61C103.4%20100.97%20114.43%20105.58%20126.17%20105.58C137.91%20105.58%20149.68%20100.59%20157.94%2091.88L131.89%2063.22C131.24%2065.8%20128.88%2067.68%20126.17%2067.68V67.69Z'%20fill='black'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_304_1833'%3e%3crect%20width='261.94'%20height='87.81'%20fill='white'%20transform='translate(29%2018)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
[ Lending & Finance ]
What are you looking to fund?
Finance decisions often start well before an application is submitted.
We help clients get the numbers and information ready, then introduce them to licensed mortgage and finance brokers around Australia who can work through the lending options with them.
Wakefield Pacific does not provide credit advice or arrange loans. Credit advice, product recommendations and lending applications are handled by the licensed broker or lender.
[ How it works ]
The broker handles the loan. We help get the numbers ready.
01
Tell us what you're trying to do.
Buying a property, refinancing, funding equipment or considering another finance requirement. Start with the situation rather than trying to work out which loan product you need.
02
We help get the financial information ready.
Depending on the situation, that may include financial statements, tax returns, BAS information, forecasts, entity structures or other accounting information the broker is likely to need.
03
We make the introduction.
Where appropriate, we'll introduce you to a licensed mortgage or finance broker from our referral network who has experience with the type of finance you're looking for.
04
The broker works through the finance with you.
The broker is responsible for the credit advice, lender options, application and finance process. With your authority, we can continue working with them where accounting or financial information is required.
[ Before the application ]
Finance usually needs more than an application form.
For business owners, lenders often need to understand more than your current bank balance.
They may need financial statements, tax returns, BAS history, business income, entity structures, existing debt and an explanation of what the business is planning to do.
We already work with much of that information.
Our role is to help make sure the financial information is organised and the commercial context is understood, then connect you with the licensed broker who handles the lending process.
[ Residential ]
Buying, refinancing or reviewing your property lending.
Residential finance can involve a home purchase, investment property, refinance or a change in circumstances that makes it worth reviewing the existing lending structure.
We can help clients get the relevant financial information organised and introduce them to a licensed mortgage broker who can assess their circumstances and work through available lending options.
[ Situations this can involve ]
- buying a home
- buying an investment property
- refinancing
- reviewing existing lending
- changing from employment to business ownership
- business owners with more complex income
- multiple entities or income sources
- property purchases involving trusts or companies where appropriate
[ Asset finance ]
Funding the equipment the business needs.
Vehicles, machinery and equipment can involve a significant cash commitment. The finance decision should be considered alongside cash flow, tax, existing debt and what the asset is expected to do for the business.
We can help work through the accounting and commercial impact of the purchase and introduce you to a licensed finance broker who can deal with the finance itself.
[ Examples ]
- vehicles
- utes
- trucks
- machinery
- construction equipment
- hospitality equipment
- medical equipment
- business technology
- other substantial operating assets
A decision should not make commercial sense only because of its tax treatment.
[ Commercial ]
Finance for bigger business decisions.
Commercial lending can become relevant when the business is buying property, acquiring another business, refinancing existing debt or funding a significant change.
Our role is to help you understand what the transaction means for the business and prepare the accounting information required. The lending options and application are handled by the licensed broker or lender.
[ Situations this can involve ]
- commercial property
- business acquisitions
- refinance
- working capital
- business expansion
- large equipment requirements
- property-backed business lending
- restructuring existing business debt
[ SMSF ]
SMSF borrowing needs more than a loan conversation.
Borrowing through an SMSF can involve additional superannuation, tax, legal and lending requirements.
Where an SMSF is considering borrowing to acquire an eligible asset, the arrangement may involve a limited recourse borrowing arrangement and a separate holding trust.
The structure needs to be considered before documents are signed or the acquisition is completed.
Wakefield Pacific can assist with accounting and tax matters within our professional scope and work with the client's legal and financial advisers where required. We can also introduce the client to a licensed broker experienced in SMSF lending.
SMSF borrowing is not suitable in every circumstance. Finance availability, superannuation compliance, investment considerations and legal requirements need to be considered separately by the appropriately qualified professionals.
[ Finance Snapshot ]
Tell us what you're considering.
Answer a few questions and we'll give you a practical checklist of the information you're likely to need before speaking with a broker.
[ Tools ]
Run the numbers before you start.
Four simple estimators using your own assumptions. None of them assesses borrowing capacity, eligibility or approval, and none of them recommends a lender, product or rate.
01
Loan repayment estimator
Enter the loan amount, the interest rate you want to test and the term. We don't publish or suggest rates — the rate is the one you enter.
Indicative monthly repayment
$4,108.44
Total repayments over the term
$1,479,039
Indicative interest over the term
$829,039
Indicative calculation only. This is not a quote, lending offer or credit recommendation. Fees, loan structures and lender calculations may produce different results.
02
Asset finance estimator
For vehicles, plant, machinery and equipment. Enter the purchase price, any deposit or trade-in and the rate you want to test.
Amount financed
$100,000
Indicative monthly repayment
$2,051.65
Total repayments over the term
$123,099
Indicative calculation only. This is not a quote, lending offer or credit recommendation. Fees, loan structures and lender calculations may produce different results.
Want to understand what the purchase means for the business? Talk to us →
03
Commercial property snapshot
A way to sketch the shape of a commercial property transaction using your own assumptions. It does not tell you what deposit a lender will require or what any lender will approve.
Your own estimate of duty, legal, due diligence and other costs.
Estimated initial cash requirement
$460,000
Indicative monthly repayment
$6,323.01
Indicative interest over the term
$717,522
Indicative calculation only. This is not a quote, lending offer or credit recommendation. Fees, loan structures and lender calculations may produce different results.
04
SMSF borrowing checklist
Not a borrowing calculator. A list of the matters that generally need attention before an SMSF borrowing arrangement proceeds.
Does the SMSF already exist?
Has the property been identified?
Is the intended property residential or commercial?
Is there sufficient liquidity remaining after the proposed acquisition?
Has the proposed structure been discussed with the accountant?
Has legal advice been obtained?
Is financial advice required?
Has an SMSF lending broker been consulted?
[ 0 of 8 answered ]
SMSF borrowing rules are complex and a limited recourse borrowing arrangement may involve separate legal, tax, superannuation and lending requirements.
Indicative calculation only. This is not a quote, lending offer or credit recommendation. Fees, loan structures and lender calculations may produce different results.
[ Get ready ]
What will a broker probably ask for?
- 01recent financial statements
- 02business tax returns
- 03personal tax returns where relevant
- 04BAS
- 05current management figures
- 06existing debt
- 07entity information
- 08forecasts where appropriate
Requirements differ between lenders and transactions. The broker will confirm exactly what is required.
[ Existing clients ]
We can stay involved while the broker does their job.
For existing Wakefield Pacific clients, much of the information a broker needs may already sit within the accounting work we're doing.
With your authority, we can provide relevant financial statements, tax returns and other accounting information directly to the broker, answer accounting questions and help explain the business or entity structure.
The broker remains responsible for the lending advice and application.
[ Lending readiness ]
Lending Readiness & Review Snapshot
If you're considering refinancing or taking on new finance, we can review your existing lending arrangements at a high level, including the interest rates and structure visible from the information available to us.
We can then introduce you to someone in our referral network if you'd like to explore lending options more fully.
This does not include detailed lending advice, negotiating with lenders, preparing formal finance applications or recommending a credit product. Those services are provided by the relevant licensed broker or lender.
[ Our referral network ]
We work with mortgage and finance brokers around Australia.
Different finance situations require different experience. Rather than trying to force every enquiry through one pathway, we work with brokers around Australia across residential, asset, commercial and SMSF lending.
[ How referrals work ]
Sometimes we receive a referral fee.
Wakefield Pacific works with mortgage and finance brokers around Australia and may introduce clients where finance assistance is required.
From time to time, Wakefield Pacific may receive a referral fee or commission from a broker or other referral partner where a client we introduce proceeds with finance. Where this applies, we will make the relevant disclosure to you.
A referral payment is not the reason we make an introduction. We consider the type of finance involved, the client's circumstances and our experience of the broker's capability when deciding who may be appropriate to introduce.
You are under no obligation to use a broker we refer you to and you are free to choose your own broker or lender.
The broker is responsible for its own licensing, credit advice, product recommendations and application process.
[ Questions ]
The questions we're usually asked.
Does Wakefield Pacific provide loans?
No. Wakefield Pacific is not a lender and does not provide credit advice or arrange loans. Where appropriate, we introduce clients to licensed mortgage and finance brokers who deal with the finance process.
Do I have to use the broker Wakefield Pacific introduces?
No. You are free to use any broker or lender you choose.
Does Wakefield Pacific receive a commission?
Sometimes. We may receive a referral fee or commission from certain referral partners where an introduced client proceeds with finance. Where applicable, we will disclose this to you.
Who recommends the loan?
The licensed broker or lender is responsible for credit advice, lending options, product recommendations and the application process. Wakefield Pacific does not recommend a particular credit contract.
Can you help get my financial information ready?
Yes. Depending on the situation, we can assist with accounting information such as financial statements, tax returns, BAS information, forecasts and entity details within the scope of our accounting engagement.
Can you help with SMSF finance?
We can assist with relevant accounting and tax matters within our professional scope and introduce you to a broker experienced in SMSF lending. SMSF borrowing can involve additional superannuation, legal, financial advice and lending requirements.
Can you guarantee approval?
No. Finance approval is determined by the lender and depends on its lending criteria and assessment of the application.
[ Start here ]
Tell us what you're looking to fund.
You don't need to know which lender, loan or structure you need before you contact us.
Tell us what you're trying to do. We'll help work out what accounting information needs to be ready and, where appropriate, introduce you to a licensed broker who can take the finance conversation from there.