Building Relationships, Empowering Growth
Join the business Owners buying their premises
instead of renting
You’ve built a solid business but you’re still paying rent every month and wondering if there’s a better way.
We don't source or sell property. We help business owners assess their options and structure
finance that suits their situation.
Watch the video to see how We Work
We help Perth business owners work out whether buying makes sense - and what it could look like, if it does.
Here’s what that looks like:
• Compare buying vs renting
• Estimate borrowing capacity and equity requirements
• Talk through lending structures and options
• Map out what it would take to move forward
Typically suited to established businesses with strong turnover, meaningful rent and plans to stay - long term.
30 Years of Cumulative
Finance Experience
Chartered Accounting Background
to assist with complex structures
5-Star Rated by Perth Business Owners
Building Relationships, Empowering Growth
Whether you’re buying your own premises or expanding your investment portfolio,
Could your business be buying its premises instead of renting?
“Baseline Finance helps Perth business owners work out whether buying makes sense and what it could look like based on their numbers. We don’t source or sell property. We help you assess the opportunity, understand your borrowing capacity, and explore lending structures that may suit your situation.”
Watch the video to see how it works
Access to 60+ lenders including major banks
and specialist funders
Not all lenders assess deals the same way. Choosing the right one can make a significant difference to your outcome.
Fully licensed and regulated with independent oversight
We’re members of MFAA and AFCA, which means you’re dealing with a licensed broker held to strict industry standards and accountability.
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. 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 business owners choose baseline
We’ve spent over 30 years working inside the banking system — which means we understand how lenders assess deals.
• We’re completely bank agnostic — we work for you, not the lender
• You don’t need to fit the bank — we find the right fit for your situation
• You'll work with real people - not a call center. We work alongside you to get the deal done
• We understand cash flow, tax structures, and how finance decisions fit into your broader strategy.
• Strong relationships across Perth’s accounting, planning, and commercial property networks
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.
We’re Not for Everyone
and That’s Intentional
We work best with established business owners who are serious about exploring whether buying their premises makes sense.
This is typically suited to businesses that:
• Have been operating for a number of years (>5 years)
• Are generating consistent revenue (>$1m)
• Are paying meaningful commercial rent (>$100k p.a)
• Are planning to stay in one location long-term (>5 years)
If that sounds like you, the next step is a quick assessment to see if it stacks up.
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
We’ve helped Perth business owners navigate complex finance decisions — here’s what they have to say.
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.
Brad at Baseline Finance was excellent to work with. He took the time to sit down and listen to what I wanted to achieve and helped me in every step.
recommend them enough.
Zane H
Brad helped with getting us approved for a business loan in a very fast time frame without cutting corners. Highly recommend
Wilson P
Brad kept us up to date throughout the application process and got the outcome we wanted. Highly recommend.
Michael S
Brad from Baseline finance was referred to me by my financial planner as I live 3 hours from Perth, everything was done over the phone he was extremely helpful and best of all, he was very focused of getting the best product for my needs. Cheers recommend them enough.
Frank B
So impressed with Baseline Finance and would recommend. Excellent professional service, above and beyond. Brad kept open communications every step of the way and kept boxing out for the best outcome.
G G
Brad did an excellent job for me. Nothing was too much trouble and he took care of all the details and hard work. It was an easy and seamless process. Thanks Brad
Rob W
What a guy, what a star. Brad made the magic happen, made our dreams come true. Thanks for all your hard work dealing with our purchase Brad. Steve and Tess x
recommend them enough.
Stephen B
Brad was absolutely amazing the whole way through our finance application. He is very informative, knowledgeable, and communicates exceptionally well and reassures you with facts every step of the way. Thank you, Baseline Finance.
Jane G
Brad provides a truly professional service. I would highly recommend his services to anyone requiring an in the know and proactive broker.
Zachary O
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.
Brad at Baseline Finance was excellent to work with. He took the time to sit down and listen to what I wanted to achieve and helped me in every step.
recommend them enough.
Zane H
Brad helped with getting us approved for
a business loan in a very fast time frame without cutting corners. Highly recommend
Wilson P
Brad kept us up to date throughout the application process and got the outcome we wanted. Highly recommend.
Michael S
Brad from Baseline finance was referred to me by my financial planner as I live 3 hours from Perth, everything was done over the phone he was extremely helpful and best of all, he was very focused of getting the best product for my needs. Cheers recommend them enough.
Frank B
So impressed with Baseline Finance and would recommend. Excellent professional service, above and beyond. Brad kept open communications every step of the way and kept boxing out for the best outcome.
G G
Brad did an excellent job for me. Nothing was too much trouble and he took care of all the details and hard work. It was an easy and seamless process. Thanks Brad
Rob W
What a guy, what a star. Brad made the magic happen, made our dreams come true. Thanks for all your hard work dealing with our purchase Brad. Steve and Tess x
recommend them enough.
Stephen B
Brad was absolutely amazing the whole way through our finance application. He
is very informative, knowledgeable, and communicates exceptionally well and reassures you with facts every step of
the way. Thank you, Baseline Finance.
Jane G
Brad provides a truly professional service. I would highly recommend his services to anyone requiring an in the know and proactive broker.
Zachary O
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 situation.
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.
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.