Better loans for the future you’re building

For businesses ready to expand their footprint

Whether you’re buying a warehouse, office space, or retail site, we structure commercial loans that match your asset and cash flow strategy. We help you assess fixed vs. variable options, LVR requirements, and the lending terms that align with your business model.

Good to know:

• Borrowing is often based on lease income or business performance
• Commercial valuations and risk appetite differ from residential lending
• FYX helps you navigate lender requirements, documentation, and tax efficiency

Use your super to invest in property, the compliant way

Self-Managed Super Fund (SMSF) loans let you grow your portfolio using your superannuation—while remaining compliant with strict lending and tax laws. We guide you through structuring, borrowing caps, and lender selection so your SMSF works smarter, not harder.

What to consider:

• Properties must be for investment (not personal use)
• Lending criteria are often stricter and require specialist support
• FYX supports both residential and commercial SMSF property purchases

When your income doesn’t fit a standard box

Sole traders, contractors, and business owners often struggle to meet traditional lending benchmarks. We work with lenders who understand business cash flow—and help position your application using alternative verification methods.

You may qualify with:

• BAS statements or business account summaries
• Accountant letters or recent invoices
• Accountant letters or recent invoices

Fund your build in stages, not all at once

Construction loans release funds progressively as you complete each stage of the build. This supports your cash flow and protects against overcommitting early on. Whether you’re building your home or an investment property, we help align funding to your timeline.

FYX Finance helps you with:

• Valuation steps and lender conditions
• Builder contracts and payment stages
• Owner-builder scenarios and drawdown timing

For non-traditional earners with real financial strength

If you’re a freelancer, startup founder, or seasonal income earner, low doc and alt doc loans may help you borrow—without the red tape of traditional bank paperwork.

FYX Finance works with lenders that accept:

• Business activity statements
• Bank statements or lease agreements
• Simplified income declarations with reduced risk assessment

When the next property comes before you’ve sold the current one

Bridging loans offer short-term finance to cover the gap between buying and selling. They’re ideal when timing matters—or when a new opportunity can’t wait.

We’ll guide you through:

• Interest-only vs. capitalised interest options
• Loan term management
• Exit strategies for seamless transitions

Support from family can open new doors

If saving a full deposit is holding you back, a family member can guarantee part of your loan using the equity in their own property—helping you reduce or eliminate LMI and fast-track your entry into the market.

FYX helps you understand:

• Risks and responsibilities for guarantors
• LVR thresholds and legal advice
• How to remove the guarantee later as equity grows

Designed to build wealth, not just buy property

For new or experienced property investors, FYX structures lending that supports growth. We advise on cross-collateralisation, interest-only terms, and the impact of different loan structures on your borrowing power.

We help you explore:

• Tax-effective structures
• P&I vs. IO strategies
• Ongoing loan review and refinancing for optimisation

Flexible, fast funding for unique or urgent situations

When time, complexity, or criteria make traditional lending unsuitable, private loans can offer short-term, asset-backed funding through non-bank lenders. These are ideal for commercial clients, developers, or urgent business needs.

Best suited for:

• Bridging or turnaround finance
• Development projects
• Complex income or credit histories

Finance options for Australians abroad and foreign buyers

Whether you’re an Aussie living overseas or a non-resident investing in Australia, FYX Finance helps you navigate the regulations, foreign income assessment, and lender policies to secure property finance.

We support:

• Expats earning foreign income
• Foreign buyers investing in residential or commercial property
• Guidance around FIRB (Foreign Investment Review Board) compliance