A mortgage broker acts as an intermediary between you and a range of lenders, helping you secure a loan that aligns with your needs, goals and financial position. We assess suitable products, compare options, negotiate on your behalf, structure your lending correctly and guide you through the entire process from application to settlement.

We are paid by the lender once your loan settles. There are no hidden fees, and if any costs do apply, we will always disclose them upfront. At Elevare Finance, transparency and integrity are at the core of what we do. We combine efficiency, expertise and genuine care to ensure you receive ongoing value throughout your banking and borrowing journey.

Commercial finance refers to lending solutions designed specifically for businesses rather than individual consumers. It can include funding for commercial property purchases, business acquisitions, share or equity acquisitions, funding for succession planning, equipment, developments, working capital, cash‑flow support, and broader strategic growth. Because every business has unique structures, risks and financial needs, commercial finance is assessed differently from residential lending and often involves more complex terms, securities and credit considerations. At Elevare Finance, we specialise in navigating this complexity. With strong commercial banking and credit expertise, we help you identify the right lending options, we negotiate and structure lending solutions tailored to your business needs, explain complex loan terms in clear language and support you as your business evolves.

Not always. While property security can improve rates and borrowing capacity, lenders also offer: • Cash flow based lending • Balance sheet and goodwill lending • Unsecured or partially secured facilities • Equipment-backed finance At Elevare Finance, we understand that strategic opportunities are often time‑sensitive. We work closely with you to assess your balance sheet, workshop funding structures and ensure you are well‑positioned to act with confidence.

Loan reviews are an important part for future planning and ensuring your pricing, structures and facilities remain competitive and aligned with your tax and financial goals. In addition to scheduled periodic reviews, you should also consider a review when key changes occur—such as shifts in interest rates, business performance, cash‑flow needs, asset purchases, or changes to your personal or business structure. A loan review may help you to: • Reduce interest rates • Improve cash flow • Consolidate debts • Release equity for growth • Remove restrictive loan terms or securities that no longer suit your needs At Elevare Finance, we proactively review your facilities to ensure they continue to support your goals and remain appropriately structured as your circumstances evolve.

Generally, yes. Business lending is assessed differently and carries higher risk. However: • Rates vary significantly between lenders • Strong financials can secure competitive pricing • Correct structuring can materially reduce costs At Elevare Finance, we stay across evolving credit policies, lender appetite and market conditions so we can provide informed and valuable reviews for our customers.