Utilise your property portfolio to its fullest potential
Vance Finance specialises in complex borrowing scenarios where timing, structural complexities, or policy constraints prevent access to traditional funding institutions. Our core competency is centred around providing tailored, property-backed lending solutions to Australian businesses, entrepreneurs, and investors.
The Vance team takes a holistic approach to each assessment, and proactively works with all stakeholders to understand the constraints and structure the best path forward.
Vance Finance operates with integrity and transparency – upfront interest rates, clear, mapped out fees, and genuine offers that you can trust. Every Letter of Offer is issued with the intention of settling, giving brokers and borrowers peace of mind. Honesty and professionalism guide every interaction.
We specialise in complex and unconventional lending scenarios, tailoring finance to the unique needs of your business or property. Our experienced team works closely with you to find practical, effective solutions that traditional lenders might overlook.
Time is critical in business. Vance Finance delivers quick assessments, approvals, and settlements. Our exceptional service standards and industry-leading commitment to settlement have earned Vance a reputation as a highly reliable lending partner.
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Indicative only. Based on property type and estimated value, before valuation, credit assessment and review of exit. Facilities range from $1m to $10m. Not an offer or approval of finance.
Vance provides commercial first mortgages between $2m and $100m. Loan terms can be from 3 to 24 months with competitive interest rates. To achieve competitive industry pricing, our core focus is on residential and commercial property types. Vance does not provide construction finance facilities.
We are your first choice in the Second Mortgage space, providing structured mezzanine funding solutions behind all Australian banks, major non-bank lenders, and select non-bank and private funders that share our values. Our Second Mortgage product allows borrowers to unlock further equity, without disrupting their existing first-mortgage debt facilities.
Our wholly privately funded organisation allows us to provide lending solutions to specialised commercial property assets. We are empowered to offer our clients first and second mortgage facilities secured by non-standard properties, including but not limited to:
Borrower, security, loan amount, purpose and exit. Initial screen against eligibility criteria.
Credit reviews the scenario and returns indicative terms, or a clear decline with the reason.
Independent valuation, full credit assessment and confirmation of business purpose.
Loan documents issued and executed; funds advanced at settlement.
Have a business-purpose scenario to discuss? The credit team responds with indicative terms or a clear answer within 24 hours.