First Home Buyers

Let us help guide you through the often-confusing process of buying your first property.

From understanding bank jargon and minimum deposits to applications for government grants, we clear the way and help you buy your first home.

Refinance and Debt Consolidation

Assistance for those seeking more competitive interest rates, superior lending structures, consolidation of debts, and improvement to cash flow.

Next Home Buyers

When you own property and are ready to purchase a second or subsequent home, whether it be to upgrade, downsize, or invest in real estate.

We will assist with valuing your home, understanding the equity that’s available, and discuss the different options to finance your next property purchase.

Residential Property Investment

Our team have extensive experience supporting clients with the purchase of all types of housing, including: apartments, townhouses, family homes, duplexes, holiday homes and prestige property, for the purpose of generating rental income and capital growth.

Residential Property Construction

‘Residential property construction finance’ refers to a type of loan specifically designed to fund the construction of a new home. This typically involves the borrower drawing down funds in stages as the construction progresses.

Bridging Finance

Need to buy before you sell? We can work through temporary bridging finance options that can help navigate the challenge of your property sale settlement not aligning with the purchase date.

Home Lending for Healthcare Workers and Medical Professionals

This is a specialised loan product for healthcare workers and medical professionals. It offers benefits including lower interest rates, with options to have Lenders Mortgage Insurance (LMI) waived.

Home Lending for Professional Services (Legal, Accounting, etc)

Banks often provide special sets of generous credit terms for professionals which can make it easier to acquire a first home, investment properties or general cash releases for investment.

We work with you to find the best option for your circumstances.

Expat Finance

Financial services specifically designed for Australian citizens living overseas who want to access loans or mortgages to purchase property back in Australia. We have the specialised knowledge of foreign income, exchange rates, and expatriate regulations to help you through this process.

Business Cashflow Funding

General business lending to help businesses manage their cash flow requirements, funding of expansion plans and asset purchases.

Debtor and Invoice Finance

This type of lending allows a business to access cash quickly, with funding being provided against the outstanding invoices that are awaiting payment.

This can be a method for accelerating cashflow, allowing the business access to funds sooner than waiting for the invoices to be paid.

Trade Finance

Trade finance is a loan that helps businesses finance their trade activities. It can be used for both domestic and international trade. It assists businesses bridge the funding gap between buying stock and receiving payment from customers.

Acquisition Funding and Buy-Outs

Acquisition and buy-out funding refer to the type of funding a company uses to purchase another business, or when the ownership of a business is changing.

We provide expert guidance in ensuring that the funding structure is the most effective for your requirements.

Specialised Finance

Banks now offer unique policies for supporting professionals in different sectors such as accounting, legal, financial planning, insurance, aged care and health services.

We assist clients with accessing these policies so that funding can be obtained with favourable security and loan terms.

Franchise Finance

Franchise finance refers to a type of loan specifically designed to help individuals purchase and establish a franchise business, covering the costs associated with buying the franchise rights, acquiring necessary equipment, and setting up the initial operations - essentially providing the capital needed to start a franchise under a recognised brand name.

Insurance Premium Funding

Insurance premium funding allows businesses to pay for insurance premiums in instalments instead of a lump sum. It’s a way to spread out the cost of insurance over the year, which can help businesses manage their cash flow.

Debt Advisory

This consulting service involves Riverside Finance Partners offering expert guidance to companies on managing their debt, including helping structure new debt financing, refinance existing loans, negotiate with lenders, and develop strategies to optimise their capital structure.

We act as a consultant to navigate complex debt situations and find the best financing options for your needs.

Investment Lending

A commercial property investment is a commercial real estate investment used to generate profit through rental income or capital appreciation.

Different lenders have different policies for funding the various types of commercial assets, such as offices, retail shops, warehouses, development sites, etc.

We assist with securing funding for your acquisition, reviewing and re-structuring your lending, and releasing equity from commercial assets.

Development Funding

We will assist with funding property development projects - anything from a boutique luxury property development to multi-level apartment blocks to land subdivisions.

Through our industry connections, we are able to provide financing options offered by the banks, non-bank lenders and private lenders and debt funds.

Car Finance

Car finance is a way to buy a car by borrowing money or leasing it from a lender. The borrower pays back the loan or lease over time, plus interest and fees.

Types of car finance

Chattel mortgage: A secured loan for a business that uses the car as security.

Hire purchase: A lease where the lender owns the car during the loan term.

Financial lease: A lease where the lender owns the car but transfers ownership to the borrower at the end of the lease.

Novated lease: A three-way agreement between the employee, employer, and lender, where the employer pays the lease on behalf of the employee.

Truck Finance

Truck finance is a loan that helps businesses purchase trucks and other heavy vehicles. This allows businesses to spread the cost of the asset over time, improving cash flow.

Boat and Marine Finance

Boat and marine finance is a way to borrow money to buy a boat or other marine vessel. It can also help with maintenance and insurance.

Commercial Equipment

Heavy machinery finance is a way for businesses to buy heavy machinery, vehicles, or equipment without paying the full cost immediately. It can be used by businesses in many industries, including construction, manufacturing, and agriculture.

Aircraft

Funding for airplanes and helicopters.

Prestige Property Funding

The financing options available to purchase high-end, luxury real estate, typically considered to be within the top 5% of the market by value, often characterised by prime locations, large size, high-quality finishes, and significant price tags.

Asset Based Lending

In the Private Wealth market, asset-based lending doesn’t always refer to taking a charge over business assets as collateral. Rather, it reflects a strategy where ultra-high -net-worth clients who may be asset rich, but lacking in cash flow, provide a strategy to the bank around how they will meet repayments.

The client also advises what their options are to liquidate assets, if needed, to service debt obligations.

This can be a complex process to negotiate with the banks, as each bank may have different expectations, and some banks are not willing to consider an asset-based lending strategy at all.

Riverside Finance Partners have deep experience in this space and can assist high net worth clients in the end-to-end process to secure funding in these circumstances.

Residential SMSF funding

Residential SMSF lending is a way for a self-managed super fund to borrow money to buy an investment property. The returns from the property are then put back into the SMSF to help grow retirement savings. 

Commercial SMSF funding

A commercial SMSF loan is a loan used by a self-managed super fund to buy commercial property. This can include offices, warehouses, shops and factories.

In some cases, accountants may advise for business owners to purchase and fund via a SMSF loan the acquisition of their own freehold business premises.