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Commercial real estate finance

Finance structured around the opportunity.

We help property developers, commercial investors and business owners secure competitive funding from major banks, non-bank lenders and private credit.

Start your finance enquiry Explore our expertise ↘

18+years of finance experience

Direct advice. Well-presented applications. Access to a broad lender market.

Major banksNon-bankPrivate credit

Where we add value

Complex property finance, made commercially clear.

We assess the transaction, identify the right lender set and manage the funding process from initial strategy through approval and settlement.

01

Development finance

Funding that moves with your project.

From site acquisition and land holding through construction and completed-stock refinance, we structure funding around your programme, presales, equity position and exit.

Site acquisition

Funding for development sites, including land-rich and income-producing opportunities.

Construction finance

Senior debt and tailored non-bank solutions for residential, industrial and mixed-use projects.

Private credit

Flexible capital for timing gaps, lower-presale projects and transactions outside bank policy.

Residual stock & refinance

Release equity, refinance completed stock and create time for an orderly sell-down.

Discuss a development

Development deals

Finance shaped to the project.

Every development has a different funding constraint. These examples show how lender selection and structure can respond to the asset, programme and sales strategy.

Selected transactionIndustrial

$32MGross realisation value

Metro Brisbane industrial development

Major-bank construction finance structured with an optimised presales requirement, balancing lender appetite with the developer’s delivery and sales programme.

Location: Metropolitan Brisbane
Facility: Major-bank construction finance
Key outcome: Optimised presales requirement

Selected transactionLand subdivision

$44MTotal GRV across three stages

Melbourne growth-corridor residential subdivision

Major-bank civil construction finance for a three-stage residential land subdivision, taken to market through a competitive pricing tender.

Location: Melbourne growth corridor
Facility: Major-bank civil construction finance
Approach: Competitive pricing tender

Selected transactionMedium-density residential

$27.5MPortfolio gross realisation value

Metro infill townhouse portfolio

Non-bank construction finance across a portfolio of medium-density townhouse projects, procured through a competitive tender with progressive equity contributions aligned to delivery.

Location: Metropolitan infill locations
Facility: Non-bank construction finance
Structure: Progressive equity contribution

02

Commercial owner-occupier finance

Own the premises that powers your business

Whether you are purchasing your first premises, expanding into a larger facility or refinancing an existing loan, we align the property debt with your business cash flow and growth plans.

Purchase finance

Finance for offices, warehouses, industrial facilities, medical suites and specialised premises.

Refinance & equity release

Review existing debt, improve structure and access equity for working capital or expansion.

SMSF property finance

Specialist lending options for eligible business premises acquired through an SMSF structure.

Blended solutions

Coordinate property, equipment and working-capital facilities as one commercial strategy.

Discuss a property purchase

Our approach

A disciplined path to funding.

01

Understand

We get clear on the asset, project, business and commercial objective.

02

Structure

We shape the request and identify the most suitable funding options.

03

Negotiate

We manage lender engagement, questions and commercial terms.

04

Deliver

We stay close through approval, documentation and settlement.

Principal-led advice

Experienced judgement, direct access.

Tim Allen — Director

Founded in 2020, CRE Finance is led by Principal Tim Allen, who brings more than 18 years of finance experience, including business development roles with GS JBWere, NAB, CBA and Monark. Today, he works directly with developers, investors and business owners to deliver practical, well-structured finance solutions.

Office locations

Local presence. National capability.

Victoria

L2, 627 Chapel St
South Yarra VIC 3141

View on Google Maps Queensland

U7/10 Thomas St
Noosaville QLD 4566

View on Google Maps

Have a transaction in mind?

Let’s work through the finance early.

Share the opportunity, timing and key numbers. We’ll give you a practical view of the likely funding pathways.

Email Tim Allen

Call Tim — 0422 043 443

Commercial property finance

Shed finance.

Buying, building or refinancing a commercial shed?

Assess the finance before you commit. We compare major-bank and non-bank options and structure the funding around the property, your business and the transaction.

Call Tim — 0422 043 443 tim@crefinance.com.au ↗

Major-bank and non-bank solutions

Finance matched to the way you will use the property.

Whether the shed is for your own business, an investment, or a new industrial project, the right structure can improve cash flow, reduce equity pressure and give you room to grow.

01

Purchase

Funding for warehouses, workshops, strata units and freestanding industrial premises.

02

Construction

Land and building finance for owner-occupiers, investors and small industrial developments.

03

Refinance

Review existing debt, improve the structure or release equity for business growth.

04

SMSF

Specialist commercial property lending for eligible business premises held through an SMSF.

How we help

A clear lender comparison, managed from enquiry to settlement.

AssessWe review the property, purchase or build cost, income and business position.
StructureWe set the loan request, security and repayments around your objectives.
CompareWe approach suitable major banks and non-bank lenders and negotiate the terms.
DeliverWe manage approval, valuation, documentation and settlement.

Speak directly with Tim Allen

Let’s work through the finance before you commit.

Share a few details and we’ll give you a practical view of the likely funding options.

Prefer to talk? Call 0422 043 443

Tell us about the property and your funding plans.

A short enquiry helps us focus the first conversation.

Share your project details

Call Tim — 0422 043 443

Home loan finance for complex borrowers

Your finances are not standard. Your home loan should not be either.

We structure residential lending for self-employed borrowers, investors and clients whose income, entities or property holdings need a more considered approach.

Discuss your position 0422 043 443

Who we help

Home lending built around your real financial position.

When income, assets and liabilities span businesses, trusts, companies and multiple properties, lender policy can vary significantly. We identify the lenders most likely to understand the position and package the application clearly.

01

Self-employed borrowers

We work through business financials, tax returns and current trading performance to identify suitable servicing pathways.

02

Complex income

Solutions for income drawn across salaries, distributions, retained earnings, rent and other legitimate revenue sources.

03

Investor portfolios

Purchase, refinance and equity-release strategies that consider the performance and structure of the whole portfolio.

04

Mixed property portfolios

A coordinated view of residential and commercial property debt, security, cash flow and future borrowing capacity.

One strategy. The whole position.

Residential lending with commercial understanding.

CRE Finance brings commercial credit experience to home lending. We look beyond the immediate loan to understand how each facility affects business cash flow, portfolio flexibility and the next transaction.

StructureMatch borrowers, securities and loan splits to your objectives.

CapacityConsider lender servicing policy across the complete position.

FlexibilityProtect options for future purchases, refinances and business needs.

Our approach

Make the complexity easy for a lender to understand.

ReviewWe map your income, entities, debts, properties and objectives.
PositionWe identify the strongest servicing case and the supporting information required.
CompareWe test suitable lender policies, structures and pricing.
ManageWe present the application and manage it through approval and settlement.

Speak directly with Tim Allen

Let’s understand the full position before choosing the loan.

Whether you are buying a home, refinancing or planning your next investment, start with a clear view of the available lending pathways.

Email Tim Allen Call 0422 043 443

Call Tim — 0422 043 443

Finance calculators

Put the numbers under pressure.

Use these estimates to test a position before speaking with a lender. Change the assumptions—not just the headline rate—to see what is really driving capacity.

Indicative household capacity

Home loan serviceability

Starts with household cash flow, then tests the loan at a higher assessment rate.

Net household income per month$ Living expenses per month$ Existing debt repayments per month$ Total credit card limits all cards$ Number of dependants $450 monthly allowance each Monthly safety buffer after commitments$ Indicative loan rate per annum% Assessment buffer added to loan rate% Loan term principal & interestyears

Read the result correctly

A calculator is a filter—not a credit decision.

These tools provide general estimates only. They do not account for every lender’s policy, tax position, income shading, minimum expense benchmark, security assessment or fees. Results are not financial advice, a credit quote or an offer of finance.

Ask Tim to review the numbers

Call Tim · 0422 043 443

Initial finance enquiry

Tell us what you’re planning.

Share the essentials and Tim Allen will review the opportunity and contact you to discuss the next step.

What happens nextWe’ll clarify the property, funding need and timing before discussing suitable lender options. You don’t need financial statements or a full feasibility to start.

01 / 03

The opportunity

What do you need funding for? *Property or project locationApproximate funding amountWhen do you need to act? *

Anything else we should know?

02 / 03

Your details

Full name *Business or companyEmail *Phone *

03 / 03

Send your enquiry

No obligation. For urgent matters, call 0422 043 443.

Finance structured around the opportunity.

Complex property finance, made commercially clear.

Funding that moves with your project.

Site acquisition

Construction finance

Private credit

Residual stock & refinance

Finance shaped to the project.

Metro Brisbane industrial development

Melbourne growth-corridor residential subdivision

Metro infill townhouse portfolio

Own the premises that powers your business

Purchase finance

Refinance & equity release

SMSF property finance

Blended solutions

A disciplined path to funding.

Understand

Structure

Negotiate

Deliver

Experienced judgement, direct access.

Tim Allen — Director

Local presence. National capability.

Let’s work through the finance early.

Shed finance.

Finance matched to the way you will use the property.

Purchase

Construction

Refinance

SMSF

A clear lender comparison, managed from enquiry to settlement.

Let’s work through the finance before you commit.

Tell us about the property and your funding plans.

Your finances are not standard. Your home loan should not be either.

Home lending built around your real financial position.

Self-employed borrowers

Complex income

Investor portfolios

Mixed property portfolios

Residential lending with commercial understanding.

Make the complexity easy for a lender to understand.

Let’s understand the full position before choosing the loan.

Put the numbers under pressure.

Home loan serviceability

Commercial lease borrowing power

Home loan repayments

A calculator is a filter—not a credit decision.

Tell us what you’re planning.

The opportunity

Your details

Send your enquiry