Beyond Standard Lending
Not every finance scenario fits within traditional lending criteria.
From property investment and SMSF lending to complex ownership structures and commercial finance, Formal Finance helps you navigate specialist lending requirements and explore solutions tailored to your circumstances.
SMSF Property Lending
Purchasing property through a self-managed superannuation fund involves specialist lending requirements and regulatory considerations.
We assist with eligible lending arrangements and work alongside your professional advisers to help navigate the finance process.
Investment Property Finance
Whether you're purchasing your first investment property or expanding an established portfolio, we help structure lending to support your investment objectives, cash flow and future borrowing capacity.
Equity Release & Portfolio Restructuring
Your existing property equity may provide opportunities to fund future purchases, investments or other financial objectives.
We help explore appropriate lending structures while considering flexibility, repayments and long-term goals.
Trust & Company Lending
Property ownership through trusts and companies can introduce additional complexity to loan applications.
We help navigate lender requirements and identify financing options appropriate to your proposed ownership structure.
Bridging Finance
When the timing of a property purchase and sale doesn't align, bridging finance may provide a short-term solution.
We help assess the available options, repayment requirements and potential risks.
Commercial Property Finance
From owner-occupied business premises to commercial investment properties, we assist with finance solutions tailored to different property types, borrower structures and business requirements.