Our Process

Tailored finance solutions, expert guidance, and seamless outcomes for clients

Fast, Flexible, and Reliable Finance Solutions

With over 24 years of lending experience, Chifley Securities provides lending solutions tailor-made to suit clients’ needs, delivered through the right experts to guide you every step of the way.

Ongoing Support

Dedicated relationship manager

Fast & Tailor-Made Products

Fast approval and settlement

Navigating Finance with Clarity & Confidence

At Chifley Securities, our process is designed to make commercial and private finance seamless, strategic, and efficient. We begin by understanding your objectives, financial position, and project requirements, enabling us to tailor solutions that match your goals. Leveraging our extensive lender network, we identify the most suitable funding options, providing clear guidance and expert advice every step of the way. From initial consultation to settlement, we manage the complexities of each transaction, ensuring speed, certainty, and transparency. Our process isn’t just about securing finance, it’s about delivering outcomes that create lasting value for our clients.

What Makes us Different

Tailored Financing

We don’t do one-size-fits-all. Every financing solution is crafted around your goals, project requirements, and risk profile, ensuring you get capital that works for you — not the other way around.

Expert Guidance and Support

Navigating finance can be complex, but with Chifley Securities, you’re never alone. Our specialists provide clear advice, proactive guidance, and hands-on support from proposal to settlement.

Flexibility and Choice

Access the right capital, from the right source, at the right time. With our extensive lender network and deep market insight, we deliver flexible solutions that adapt to your unique needs.

Australia’s Leading Commercial and Residential Property Specialist

Commercial Property Finance
Purpose

Acquisition, refinance, or repositioning of income-producing commercial assets (office, retail, industrial, mixed-use).

Loan Parameters

Asset class dependent

LVR up to 70% (preferred <65% for Tier 1)
60% LVR as non recourse
65% LVR with recourse.

Shorter term option: Typically 3-7 year term.

Longer term option: 15-30 year term.

Rates depending on term length.Interest-only or partial P&I, first mortgage security, full or limited recourse.

Typical Structure

Fixed or variable rate, income cover ≥1.5x, valuation by certified panel valuer, WALE > loan term.

Tier 1 Alignment Focus

Income verification, lease stability, valuation integrity, borrower liquidity, compliance with NCCP/AML.

Construction & Development Finance
Purpose

Funding for residential, commercial, and mixed-use developments from site acquisition to completion.

Loan Parameters

LVR up to 65% of GRV / 80% of TDC

12–60 month term, first mortgage, director guarantees typical.

Typical Structure

Drawdown facility, QS-certified progress claims, contingency ≥5–10%, 30% debt coverage for Tier 1.

Interest will be capitalised for life of construction and factored in at app stage.

Tier 1 Alignment Focus

Feasibility with ≥12% margin, DA approval, builder on approved panel, valuation as-is and on-completion.

Our Lender Panel

A loan is one of the most important financial decisions you can possibly make, so you want to be in the hands of the very best in knowledge, skills, and service.

5 Steps

Assessment

We take the time to assess your funding requirements.

Structuring

We develop a finance model tailored to your timing, cashflow, and exit strategy.

Lender Matching

We identify and engage the most suitable lender, whether that’s a major bank or private capital partner.

Documentation & Approval

We manage end to end submissions, valuations, and lender requirements to fast-track approvals.

Settlement & Beyond

We oversee settlement logistics and provide ongoing support post-funding.

Our Five Step Process

We understand that every project is different – so we focus on developing a deep understanding of your lending requirements and providing you with the clarity, structure, and reliability for the capital you need.

Our clients experience a seamless, managed journey from application to settlement, handled entirely by professionals who know what it takes to get complex deals over the line.

Client Resources

Looking for resources? Access our information flyer and comprehensive company overview booklet which includes settled deals.

Contact Us

Connect with one of our experienced finance professionals who will assess your loan request and guide you through the next steps.

 

Call us today on:
AU and NZ +61 1300 560 187

Have Questions?

We’re here to help. We’ve got answers to all commonly asked broker questions.

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