Real Estate Agency Finance | Rent Roll Loans & Agent Home Loans | MFA

Industry Finance Specialists

Finance for Real Estate Agents & Agencies

Business lending, equipment finance, and commercial property solutions for real estate agents, property managers, buyers agents, and agency owners across Australia.

60+

Lenders on our panel

$250M+

Portfolio managed

12+

Years banking experience

Fast

Approvals for agencies

Apply Now → Book a Free Strategy Call

Who We Help

Real Estate Professionals We Finance

Agency Owners

Principals and franchise owners looking to grow, acquire, or fund their business.

Sales Agents

Commission-based agents seeking home loans, investment property, or business finance.

Property Managers

PM-focused businesses and rent roll operators seeking growth or acquisition finance.

Buyers Agents

Buyers advocates seeking business setup, growth, or investment property finance.

Franchise Operators

Ray White, LJ Hooker, McGrath and other franchise owners seeking business finance.

Commercial Agents

Commercial and industrial sales and leasing agents.

Property Valuers

Registered valuers seeking equipment, business, or premises finance.

Strata Managers

Strata and community management businesses looking for growth capital.

Finance Solutions

Finance Solutions for Real Estate Businesses

Business Purchase & Rent Roll Acquisition

Finance to acquire a real estate agency, rent roll, or book of business.

Rent roll valuation finance
Goodwill & trail book funding
Principal acquisition loans
Franchise entry costs covered

Working Capital & Cash Flow

Manage the timing gaps between commission earnings and business expenses.

Commission advance facilities
Seasonal cash flow management
Staff wages & outgoings
Marketing & campaign costs

Office Fitout & Equipment

Fund your office fitout, technology stack, and agency operations.

CRM & property platforms
Office fitout & signage
Vehicles & fleet
Photography & marketing tech

Commercial Premises

Purchase your own office or investment commercial property.

Office & shopfront purchase
SMSF commercial property
Leasehold improvements
Investment property loans

Home Loans for Agents

Commission-based income is often misunderstood by banks — we know which lenders assess it correctly.

Commission income accepted
Variable income assessment
Investment property loans
Self-employed structures

Business Expansion

Fund growth into new territories, additional offices, or service line expansion.

Multi-office expansion
New territory acquisition
Technology & platform invest
Staffing & recruitment costs

Why MFA

Banking Insider Knowledge Working for You

Unlike brokers who've only ever worked on one side of the desk, your application is guided by someone who spent over 12 years inside the banks and accounting firms that assess your loans.

Commission Income — We Get It

Banks often struggle with commission-based income, but we know which lenders assess real estate agent income correctly, including trailing commissions, management fees, and seasonal sale volumes.

Rent Roll Lending Expertise

Rent roll acquisitions are a specialised form of goodwill lending. We understand how lenders value rent rolls, what multiples are acceptable, and how to structure the finance for a clean acquisition.

Commercial & Residential Expertise

Whether you're buying a $200K car or a $5M office building, we have the lender relationships and structuring expertise to get the deal done efficiently.

Your Broker's Background

With over 12 years spanning Big 4 accounting, investment banking in London, and senior commercial lending at NAB, ANZ and Westpac — managing portfolios exceeding $250M — we bring genuine institutional knowledge to every real estate client.

12+ Years Industry Experience

NAB · ANZ · Westpac · Deloitte · Edison Investment Research (London)

60+ Lenders — Full Market Access

Not limited to one institution's products or appetite

Complex Deals — Our Speciality

Self-employed, trusts, SMSF, development finance, credit-impaired

Founder-Built Business

Previously founded and sold a successful business — we understand what you're building

Bachelor of Commerce (Accounting)

Former Deloitte · 12+ years banking and accounting experience across NAB, ANZ & Westpac

At a Glance

Business types Sales, PM, buyers agency

Finance types Equipment, premises, WC

Income treatment Commission-based accepted

Structures Sole trader, trust, company

Typical loan size $50K – $10M

Turnaround 5–10 business days

Common Questions

Can I get a home loan if my income is mostly commission?

Yes — but it requires the right lender. Commission income must typically be evidenced over 1–2 years, and some lenders shade it or exclude it entirely. We work with lenders who take a realistic view of real estate agent income and can maximise your borrowing capacity.

How do lenders value a rent roll for finance?

Rent rolls are typically valued at a multiple of the annual management fees — commonly 2.5x to 3.5x depending on quality, size, churn rate, and location. We work with lenders who understand this asset class and can finance rent roll acquisitions with appropriate structures.

Can I finance a franchise entry fee?

Yes. We regularly help real estate franchise buyers (Ray White, LJ Hooker, Harcourts etc.) finance their entry costs, fit-out, and initial working capital. The structure depends on your existing assets and trading history.

What about buying out a business partner?

Business succession and partner buyout finance is something we specialise in. We can structure a loan using the existing business assets, rent roll value, and your personal equity to fund a partner exit smoothly.

Can I use an SMSF to buy my office premises?

Yes, this is a popular strategy for established agents and principals. Buying your office through an SMSF means your super pays the rent rather than a landlord. We specialise in SMSF lending and can walk you through the structure and requirements.

Ready to Fund Your Real Estate Business Growth?

Book a free, no-obligation consultation with Melanie to explore your options. We'll assess your situation, explain what's possible, and give you a clear plan — no jargon, no pressure.

Apply Now → Book a Free Strategy Call

Or call 03 9020 2699 to speak with our team