Building Relationships, Empowering Growth
Smarter Finance for Perth Businesses & Investors
We simplify commercial finance, negotiate with the right lenders, and secure structures that support your long-term growth without the paperwork chaos, bank runaround, or delays.
Building Relationships, Empowering Growth
Smarter Finance for Perth Businesses & Investors
We simplify commercial finance, negotiate with the right lenders, and secure structures that support your long-term growth without the paperwork chaos, bank runaround, or delays.
We’re Accredited And Partner With
Regulated & Licensed By
The Problem
1. Slow, confusing application processes that drain your time and energy.
2. Weeks of silence, followed by more questions and document requests.
3. Rigid, “one-size-fits-all” assessments that ignore your real potential.
4. Constant policy changes that turn yesterday’s “yes” into today’s “no.”
5. Zero continuity — your banker leaves, and
your context disappears.
6. Limited commercial understanding inside major banks.
7. You shouldn’t have to fight your bank to grow your business.
Our Solution
One conversation, done right. Tell your story once — we package it professionally.
End-to-end management. We handle the entire process: applications and submissions.
Strategic lender selection. We know who delivers on time — and who doesn’t.
Future-focused assessment. We match you with lenders who value where you're heading.
Tailored structures. We structure finance around your goals, not bank templates.
Clear communication. One point of contact. No mixed messages. No confusion.
Real commercial expertise. We make credit teams see opportunity — not obstacles.
The Problem
1. Slow, confusing appation processes that drain your time and energy.
2. Weeks of silence, followed by more questions and document requests.
3. Rigid, “one-size-fits-all” assessments that ignore your real potential.
4. Constant policy changes that turn yesterday’s “yes” into today’s “no.”
5. Zero continuity — your banker leaves, and your context disappears.
6. Limited commercial understanding inside major banks.
7. You shouldn’t have to fight your bank to grow your business.
Our Solution
One conversation, done right. Tell your story once — we package it professionally.
End-to-end management. We handle the entire process: applications and submissions.
Strategic lender selection. We know who delivers on time — and who doesn’t.
Future-focused assessment. We match you with lenders who value where you're heading.
Tailored structures. We structure finance around your goals, not bank templates.
Clear communication. One point of contact. No mixed messages. No confusion.
Real commercial expertise. We make credit teams see opportunity — not obstacles.
How we work?
STEP 1
Understand Your Goals
And Situation
Before talking lenders or rates, we get clear on your full picture. We will:
Review your current finance & property structures
Identify available equity and contribution options
Clarify timelines, ownership structures, and exit plans
Outcome: You know exactly what’s possible from day one.
STEP 2
Structure Your Finance Strategy
This is where our banking + accounting expertise adds real value. We will:
Analyse servicing, LVR, and funding options
Model structures for flexibility & tax efficiency
Collaborate with your accountant or adviser
Outcome: A smart, bank-ready structure that supports long-term growth.
STEP 3
Present and Negotiate with the Right Lenders
We don’t shotgun applications — we target lenders who actually fit your profile. We will:
Prepare a complete, professional submission
Negotiate terms, rates, and conditions
Handle all lender queries directly
Outcome: You tell your story once — we handle the rest.
STEP 4
Manage Documentation
And Settlement
We keep everything on track until the deal is fully settled. We will:
Liaise with your settlement agent, & accountant
Review offer letters & key conditions
Coordinate all parties for an on-time settlement
Outcome: A smooth, stress-free settlement without surprises.
STEP 5
Post-Settlement Support
And Review
Our relationship doesn’t end when the loan settles — it begins. We will:
Conduct annual reviews to stay competitive
Alert you to better market opportunities
Support refinancing, equity release & purchases
Outcome: A long-term finance partner invested in your growth.
How we work?
STEP 1
Understand Your Goals And Situation
Before talking lenders or rates, we get clear on your full picture. We will:
Review your current finance & property structures
Identify available equity and contribution options
Clarify timelines, ownership structures, and exit plans
Outcome: You know exactly what’s possible from day one.
STEP 2
Structure Your Finance Strategy
This is where our banking + accounting expertise adds real value. We will:
Analyse servicing, LVR, and funding options
Model structures for flexibility & tax efficiency
Collaborate with your accountant or adviser
Outcome: A smart, bank-ready structure that supports long-term growth.
STEP 3
Present and Negotiate with the Right Lenders
We don’t shotgun applications — we target lenders who actually fit your profile. We will:
Prepare a complete, professional submission
Negotiate terms, rates, and conditions
Handle all lender queries directly
Outcome: You tell your story once — we handle the rest.
STEP 4
Manage Documentation And Settlement
We keep everything on track until the deal is fully settled. We will:
Liaise with your settlement agent, & accountant
Review offer letters & key conditions
Coordinate all parties for an on-time settlement
Outcome: A smooth, stress-free settlement without surprises.
STEP 5
Post-Settlement Support And Review
Our relationship doesn’t end when the loan settles — it begins. We will:
Conduct annual reviews to stay competitive
Alert you to better market opportunities
Support refinancing, equity release & purchases
Outcome: A long-term finance partner invested in your growth.
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.
We spent decades inside major banks and saw the same problem:
Policies served the banks — not the clients.
Baseline was built to fix that.
We’re bank-agnostic, client-first, and driven by one goal:
Find the lender who puts forward the best solution for you.
We’re fast, personal, transparent — and proudly Perth-based.
When you partner with us, you get a real team member, not a call centre.
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.
We spent decades inside major banks and saw the same problem:
Policies served the banks — not the clients.
Baseline was built to fix that.
We’re bank-agnostic, client-first, and driven by one goal:
Find the lender who puts forward the best solution for you.
We’re fast, personal, transparent — and proudly Perth-based.
When you partner with us, you get a real team member, not a call centre.
Why Choose Baseline Finance?
Baseline Finance isn’t a traditional broker. With 30+ years of commercial finance experience and a chartered accounting background, we bring smarter structuring and real expertise.
We work with 60+ lenders and understand commercial property inside out — from owner-occupied to investments, SMSF and trust lending — with fast, personal communication every step.
Most importantly, we’re bank-agnostic and client-first. Perth business owners rate us five stars because we combine big-bank knowledge with boutique, on-your-side service.
We’re Not for Everyone
and That’s Intentional
We work with clients who see finance as a strategic tool.
We build long-term partnerships, not one-off transactions.
If you want a partner who advocates for your growth, we’re a fit.
Why Choose
Baseline Finance?
Baseline Finance isn’t a traditional broker. With 30+ years of commercial finance experience and a chartered accounting background, we bring smarter structuring and real expertise.
We work with 60+ lenders and understand commercial property inside out — from owner-occupied to investments, SMSF and trust lending — with fast, personal communication every step.
Most importantly, we’re bank-agnostic and client-first. Perth business owners rate us five stars because we combine big-bank knowledge with boutique, on-your-side service.
We’re Not for Everyone
and That’s Intentional
We work with clients who see finance as a strategic tool.
We build long-term partnerships, not one-off transactions.
If you want a partner who advocates for your growth, we’re a fit.
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.