Building Relationships, Empowering Growth
Whether you’re buying your own premises or expanding your investment portfolio,
Baseline Finance helps Perth businesses and investors secure smarter finance
30 Years of Cumulative
Finance Experience
Chartered Accounting Background
to assist with complex structures
5-Star Rated by Perth Business Owners & Investors
Building Relationships, Empowering Growth
Whether you’re buying your own premises or expanding your investment portfolio,
Baseline Finance helps Perth businesses and investors secure smarter finance
We’re Accredited And Partner With
Regulated & Licensed By
The Problem
1. Complex & Lengthy Application Process:
Banks drown you in forms, duplications, and jargon and
every time someone new picks up the file, they want
different documents.
2. Slow Turnaround Times:
Getting a commercial loan approved can feel like watching
paint dry - weeks of silence, then more questions.
3. Rigid Assessment Criteria:
Banks look in the rear-view mirror. If your last year wasn’t perfect, they struggle to see your potential.
4. Limited Flexibility:
Banks often try to fit every client into a "one-size-fits-all" loan structure.
5. Communication Gaps:
You end up repeating yourself to three different departments who don’t talk to each other.
6. Changing Bank Policies:
What a bank said “yes” to last month might be “no” today.
7. Lack of Commercial Understanding:
Many bank assessors simply don’t understand commercial property, cash flow lending, or how small businesses
actually operate.
8. Relationship Risk:
When your banker leaves, your history and context often
walk out the door with them.
Our Solution
Your relationship stays with Baseline. We act as your permanent finance partner across multiple lenders, products, and stages of your business journey. We’re here for the long haul, not until the next staff reshuffle.
We handle the entire application process from end to end. You tell your story once we package it correctly, pre-empt what lenders will ask for, and coordinate everything so you don’t waste weeks chasing paperwork.
We know which lenders actually deliver on time. We manage submissions strategically, escalate when needed, and keep you updated every step of the way. Speed matters and we make it a priority.
We take the time to understand your future, not just your past. Then we match you with lenders who value your position, not just your history. We also use specialist lenders who assess deals on their merits, not just numbers on a page.
We tailor every finance package structuring terms, securities, and repayment options to fit your goals. Need interest-only for a time? Cross-collateral release? We find lenders who’ll actually listen.
We’re your single point of contact. We translate lender-speak
into plain English and keep everyone you, the lender, and your accountant on the same page from day one.
We stay across 60+ lenders’ policies, daily. If one bank tightens up, we already know where else to take the deal so your momentum isn’t lost to bureaucracy.
We do this every day. We speak “bank” and “business” fluently and we know how to position your deal so the credit team sees
the opportunity, not the risk.
The Problem
1. Complex & Lengthy Application Process:
Banks drown you in forms, duplications, and jargon and every time someone new picks up the file, they want different documents.
2. Slow Turnaround Times:
Getting a commercial loan approved can feel like watching paint dry - weeks of silence, then more questions.
3. Rigid Assessment Criteria:
Banks look in the rear-view mirror. If your last year wasn’t perfect, they struggle to see your potential.
4. Limited Flexibility:
Banks often try to fit every client into
a "one-size-fits-all" loan structure.
5. Communication Gaps:
You end up repeating yourself to three different departments who don’t talk to each other.
6. Changing Bank Policies:
What a bank said “yes” to last month might be “no” today.
7. Lack of Commercial Understanding:
Many bank assessors simply don’t understand commercial property, cash flow lending, or how small businesses actually operate.
8. Relationship Risk:
When your banker leaves, your history and context often walk out the door with them.
Our Solution
Your relationship stays with Baseline. We act as your permanent finance partner across multiple lenders, products, and stages of your business journey. We’re here for the long haul, not until the next staff reshuffle.
We handle the entire application process from end to end. You tell your story once we package it correctly, pre-empt what lenders will ask for, and coordinate everything so you don’t waste weeks chasing paperwork.
We know which lenders actually deliver on time. We manage submissions strategically, escalate when needed, and keep you updated every step of the way. Speed matters and we make it a priority.
We take the time to understand your future, not just your past. Then we match you with lenders who value your position, not just your history. We also use specialist lenders who assess deals on their merits, not just numbers on a page.
We tailor every finance package structuring terms, securities, and repayment options to fit your goals. Need interest-only for a time? Cross-collateral release? We find lenders who’ll actually listen.
We’re your single point of contact. We translate lender-speak into plain English and keep everyone you, the lender, and your accountant on the same page from day one.
We stay across 60+ lenders’ policies, daily. If one bank tightens up, we already know where else to take the deal so your momentum isn’t lost to bureaucracy.
We do this every day. We speak “bank” and “business” fluently and we know how to position your deal so the credit team sees the opportunity, not the risk.
How we work?
STEP 1
Understand Your Goals And Situation
Before we talk rates or lenders, we take the time to understand your full picture - your business, property plans, and long-term goals. We'll:
Review your current finance structures and property holdings.
Identify available equity or cash for contributions.
Discuss purchase timelines, ownership structures, and
exit strategies.
Help you clarify what type of facility best suits your
situation (term loan, lease doc, SMSF, etc.).
Our aim: Clarity from day one. You’ll know exactly what’s
possible before we start approaching lenders.
STEP 2
Structure Your Finance Strategy
Every deal has multiple moving parts - security, serviceability, loan terms, and tax implications. This is where our banking and accounting background adds real value. We'll:
Analyze your servicing position and loan-to-value ratio
(LVR).
Model different lending structures to maximize flexibility
and tax efficiency.
Work alongside your accountant or adviser to ensure consistency across entities.
Position your deal in a way that highlights strengths, not challenges.
We speak both “bank” and “business” so credit teams see opportunity, not obstacles.
STEP 3
Present and Negotiate with the Right Lenders
With over 60 banks and non-bank lenders, not all are created equal. We don’t shotgun applications. We target lenders that genuinely fit your profile. We'll:
Prepare a full lender submission with supporting documentation.
Highlight the commercial merits of your deal to credit teams.
Negotiate loan terms, rates, and conditions on your
behalf.
Manage lender queries and handle all follow-ups
directly.
You only tell your story once. We handle the rest.
STEP 4
Manage Documentation And Settlement
Once approved, the paperwork marathon begins. That’s
where we stay in your corner. We'll:
Liaise with your settlement agent, accountant, and
solicitor.
Review loan offer letters and identify key conditions
before you sign.
Manage valuation, insurance, and documentation
deadlines.
Keep all parties aligned to ensure a smooth, on-time settlement.
We don’t disappear after approval. We see the deal through
to the finish line.
STEP 5
Post-Settlement Support And Review
The relationship doesn’t end at settlement. That is just the
start. We'll:
Conduct annual loan reviews to ensure your structure remains competitive.
Proactively alert you to better market options or
refinance opportunities.
Conduct annual loan reviews to ensure your structure remains competitive.
How we work?
STEP 1
Understand Your Goals And Situation
Before we talk rates or lenders, we take the time to understand your full picture - your business, property plans, and long-term goals. We'll:
Review your current finance structures and property holdings.
Identify available equity or cash for contributions.
Discuss purchase timelines, ownership structures, and exit strategies.
Help you clarify what type of facility best suits your situation (term loan, lease doc, SMSF, etc.).
Our aim: Clarity from day one. You’ll know exactly what’s possible before we start approaching lenders.
STEP 2
Structure Your Finance Strategy
Every deal has multiple moving parts - security, serviceability, loan terms, and tax implications. This is where our banking and accounting background adds real value. We'll:
Analyze your servicing position and loan-to-value ratio (LVR).
Model different lending structures to maximize flexibility and tax efficiency.
Work alongside your accountant or adviser to ensure consistency across entities.
Position your deal in a way that highlights strengths, not challenges.
We speak both “bank” and “business” so credit teams see opportunity, not obstacles.
STEP 3
Present and Negotiate
with the Right Lenders
With over 60 banks and non-bank lenders, not all are created equal. We don’t shotgun applications. Ee target lenders that genuinely fit your profile. We'll:
Prepare a full lender submission with supporting documentation.
Highlight the commercial merits of your deal to credit teams.
Negotiate loan terms, rates, and conditions on your behalf.
Manage lender queries and handle all follow-ups directly.
You only tell your story once. We handle the rest.
STEP 4
Manage Documentation
And Settlement
Once approved, the paperwork marathon begins. That’s where we stay in your corner. We'll:
Liaise with your settlement agent, accountant, and solicitor.
Review loan offer letters and identify key conditions before you sign.
Manage valuation, insurance, and documentation deadlines.
Keep all parties aligned to ensure a smooth, on-time settlement.
We don’t disappear after approval. We see the deal through to the finish line.
STEP 5
Post-Settlement Support
And Review
The relationship doesn’t end at settlement. That is just the start. We'll:
Conduct annual loan reviews to ensure your structure remains competitive.
Proactively alert you to better market options or refinance opportunities.
Conduct annual loan reviews to ensure your structure remains competitive.
Why Do we Do it?
The Baseline team have been in the finance industry for close to 30 years,
working initially in the banking industry directly, across a number of major banks.
It’s apparent that each bank has its own unique policies and procedures which cater for the risk appetites of
the bank, but who is tailoring solutions for clients?
Baseline was built to fix that. We are unequivocally a client first organization. We are completely bank
agnostic. We will pursue the lender that puts the best proposal forward for our clients.
It’s not the client that needs to fit to the banks requirements.
We are personal, fast, transparent and unashamedly in love with Perth.
We’re not a call center. We’re your extra team member
working to get your deal done.
We want to be on your speed dial when you have a thought, or just want to chat. We are here for the long term, not just the transaction.
Why Do we Do it?
The Baseline team have been in the finance industry for close to 30 years, working initially in the banking industry directly, across a number of major banks.
It’s apparent that each bank has its own unique policies and procedures which cater for the risk appetites of the bank, but who is tailoring solutions for clients?
Baseline was built to fix that. We are unequivocally a client first organization. We are completely bank
agnostic. We will pursue the lender that puts the best proposal forward for our clients.
It’s not the client that needs to fit to the banks requirements.
We are personal, fast, transparent and unashamedly in love with Perth.
We’re not a call center. We’re your extra team member working to get your deal done.
We want to be on your speed dial when you have a thought, or just want to chat. We are here for the long term, not just the transaction.
Why Choose Baseline Finance?
When you work with Baseline, you’re not dealing with a call centre or junior employee.
You’re partnering with experienced finance professionals who have spent decades inside the banking and accounting worlds and know exactly how to make lenders compete for your business.
We have in-house accounting expertise and that means we understand more than just interest rates. We understand cash flow, tax structures, and how finance decisions fit into your broader strategy.
We’ve built strong relationships with accountants, financial planners, and commercial agents across Perth, ensuring every deal is supported by a network of trusted professionals who have your back should you want it.
Our team has deep expertise in commercial property investment, including:
Owner-occupied premises purchases
Commercial Investment purchases (Industrial, warehouse, retail, childcare, service stations, offices)
SMSF and trust-structured property finance
Complex refinancing and equity release strategies
But beyond the numbers we pride ourselves on service. We’re 5-Star Google Rated, and that’s not by chance. Every review reflects the same principles we were founded on: responsiveness, clarity, and relentless commitment to great outcomes. At Baseline, we combine big-bank knowledge with boutique-firm care - fast, personal, and fiercely on your side.
Why Choose Baseline Finance?
When you work with Baseline, you’re not dealing with a call centre or junior employee.
You’re partnering with experienced finance professionals who have spent decades inside the banking and accounting worlds and know exactly how to make lenders compete for your business.
We have in-house accounting expertise and that means we understand more than just interest rates. We understand cash flow, tax structures, and how finance decisions fit into your broader strategy.
We’ve built strong relationships with accountants, financial planners, and commercial agents across Perth, ensuring every deal is supported by a network of trusted professionals who have your back should you want it.
Our team has deep expertise
in commercial property
investment, including:
Owner-occupied premises purchases
Commercial Investment purchases (Industrial, warehouse, retail, childcare, service stations, offices)
SMSF and trust-structured property finance
Complex refinancing and equity release strategies
But beyond the numbers we pride ourselves on service. We’re 5-Star Google Rated, and that’s not by chance. Every review reflects the same principles we were founded on: responsiveness, clarity, and relentless commitment to great outcomes. At Baseline, we combine big-bank knowledge with boutique-firm care - fast, personal, and fiercely on your side.
We’re Not for Everyone
and That’s Intentional
To deliver the kind of results our clients have come to expect, we only partner with business owners and
investors who see finance as more than just a transaction
- it’s a strategic advantage.
When we take a client on, it’s not about pushing a loan through. It’s about building a long-term relationship based on trust, clarity, and collaboration.
If that sounds like the way you do business, we’d love to explore what’s possible together.
See if we are a good fit here
We’re Not for Everyone
and That’s Intentional
To deliver the kind of results our clients have come to expect, we only partner with business owners and investors who see finance as more than just a transaction - it’s a strategic advantage.
When we take a client on, it’s not about pushing a loan through. It’s about building a long-term relationship based on trust, clarity, and collaboration.
If that sounds like the way you do business, we’d love to explore what’s possible together.
See if we are a good fit below.
What Our Clients Say About
Baseline Finance
Baseline was outstanding and could not have helped me more. The whole experience was easy. I can not
recommend them enough.
Thank you Baseline for keeping us informed and on task with the decisions and actions to refinance our mortgage. Great result for our financial future.
Baseline Finance have been amazing
to deal with, Great Communication
Friendly and Really Quick to help me
get finance.
What Our Clients Say About Baseline Finance
Baseline was outstanding and could not have helped me more. The whole experience was easy. I can not recommend them enough.
Thank you Baseline for keeping us informed and on task with the decisions and actions to refinace our mortgage. Great result for our financial future.
Baseline Finance have been amazing to deal with, Great Communication Friendly and Really Quick to help me get finance.
FAQ’s
What happens after I submit this form?
Once we receive your details, a senior broker (not an assistant or call centre rep) personally reviews your information.
If it looks like we’re a good fit, we’ll reach out to arrange a short discovery call to learn more about your goals and outline the next steps.
Does submitting this affect my credit score?
No — we don’t run any credit checks at this stage.
This is a pre-qualification only. We’ll only run formal checks once you’ve chosen a preferred lender and given us permission.
Do I need financials or tax returns ready?
Not right away.
We start with a strategic overview — understanding your structure, goals, and borrowing power.
Once we’ve shortlisted lenders, we’ll let you know exactly what’s needed (and when).
What loan sizes do you handle?
We typically assist with loans from $500,000 to $10 million+, covering owner-occupied, investment, and SMSF commercial properties.
Do you only work with clients in Perth?
Our home base is Perth (and proud of it), but we assist clients across WA — and often interstate — who value a broker that actually picks up the phone.
Are there any costs to work with Baseline?
In most cases, our service is paid by the lender, not you.
If your scenario requires a bespoke or complex structure, we’ll always discuss any fees transparently before proceeding.
How long does approval usually take?
Once we’ve got the right information, most approvals are secured within 10–21 business days — often faster than going direct to a bank.
Can you help if I already have a broker?
Yes — if you feel you’re not getting proactive advice or the right lender mix, we can provide a second opinion with no obligation.
Do you handle SMSF or trust lending?
Absolutely.
We regularly arrange loans through SMSFs, companies, and trust structures — with a clear understanding of tax and compliance requirements.
FAQ’s
What happens after I submit this form?
Once we receive your details, a senior broker (not an assistant or call centre rep) personally reviews your information.
If it looks like we’re a good fit, we’ll reach out to arrange a short discovery call to learn more about your goals and outline the next steps.
Does submitting this affect my credit score?
No — we don’t run any credit checks at this stage.
This is a pre-qualification only. We’ll only run formal checks once you’ve chosen a preferred lender and given us permission.
Do I need financials or tax returns ready?
Not right away.
We start with a strategic overview understanding your structure, goals, and borrowing power.
Once we’ve shortlisted lenders, we’ll let you know exactly what’s needed (and when).
What loan sizes do you handle?
We typically assist with loans from $500,000 to $10 million+, covering owner-occupied, investment, and SMSF commercial properties.
Do you only work with clients in Perth?
Our home base is Perth (and proud of it), but we assist clients across WA — and often interstate who value a broker that actually picks up the phone.
Are there any costs to work with Baseline?
In most cases, our service is paid by the lender, not you.
If your scenario requires a bespoke or complex structure, we’ll always discuss any fees transparently before proceeding.
How long does approval usually take?
Once we’ve got the right information, most approvals are secured within 10–21 business days often faster than going direct to a bank.
Can you help if I already have a broker?
Yes if you feel you’re not getting proactive advice or the right lender mix, we can provide a second opinion with no obligation.
Do you handle SMSF or trust lending?
Absolutely.
We regularly arrange loans through SMSFs, companies, and trust structures — with a clear understanding of tax and compliance requirements.