Told you need a private lender at 15%? You probably don't
60% of "complex" commercial deals can still be placed with a major bank — at major bank rates. Speak to XIN's commercial finance team. 40+ lenders, full accreditation, no-obligation callback.
Let’s See What May Be Possible for You
● Asset & Equipment Finance
● Debt Restructuring
● Business Loans
● Commercial Property
● Commercial Refinance
● Asset & Equipment Finance
● Debt Restructuring
● Business Loans
● Commercial Property
● Commercial Refinance
—— About Us
Who We Are
We call ourselves 'The Fintouch people' for a reason. Because it is our people who make the real difference in this business. They are our most visible and vital brand touchpoint.
People who touch our customers in ways no other financial services provider does. “Guiding, Growing, and Guarding Your Finances” is therefore not a mere message. It is our mission.
#6
MPA Top 25 Brokerages
#21
The Adviser Top 25
Brokerages Australia 2026
5.0
Google Rating
906 verified reviews
—— The Reality
What the market gets wrong about complex deals
01 Only private lenders take complex deals
XIN's full accreditation across 40+ lenders — including all major banks — means ~60% of self-described "complex" commercial deals can still be placed with a major bank at significantly lower rates once properly structured.
02 Your current banker has the best deal for you
Banks have a narrow lending appetite. A different lender — sometimes a competitor major bank, sometimes a non-bank — may be a materially better fit for your scenario. Your banker doesn't tell you that.
03 Self-employed borrowers have limited options
Full-doc, low-doc, and non-standard documentation solutions exist across the lender panel. Most brokers default to private lending because it's the path of least resistance — not because it's the best outcome for you.
04 XIN Mortgage only handles residential deals
XIN's commercial team operates as a dedicated specialist unit — business loans, commercial property, development, SMSF, equipment finance, and debt restructuring. One team, one relationship, the entire commercial journey.
The XIN commercial advantage
Most brokers carry limited accreditation and default to the easiest deal — not the best one. XIN's full-spectrum access changes that equation for every client.
Full Panel · 40+ Lenders
Complete accreditation across major banks, non-banks, and private lenders. Most brokers only hold CR status with limited bank access.
Major Bank Placements for Complex Deals
Track record of placing ~60% of "complex" deals with major banks — at major bank rates — once the financials are properly structured and presented.
6 Nationally Ranked Brokerage
MPA Top 25 Brokerages 2025, #21 The Adviser 2026. Reputation, scale, and back-office infrastructure most boutique brokers can't match.
Full-Spectrum Commercial Coverage
Business loans, commercial property, development, SMSF, asset finance, and debt restructuring — one specialist team for the entire commercial journey.
—— How it works
Three steps to the right lender
01 Tell us about your scenario
Complete the short qualification form — loan type, approximate amount, and a brief description of your situation. Takes under two minutes. No credit check required.
02 We match you to the right lender from 40+
Jocelyn and Teng, or a designated commercial specialist calls you back within agreed business hours. We review your scenario, ask the right questions, and identify which lender — major bank, non-bank, or private — fits your deal best.
03 We get the deal done
If we can help, we'll prepare a tailored proposal and an engagement letter. Our commitment fee is fully refundable on loan settlement — we only proceed with deals we're confident we can place at the best available terms.
60%
of "complex" deals placed with a major bank
Clients told they'd need expensive private lending at 15%+ — placed at major bank rates once properly structured and presented to the right lender.
Major Banks
60%
Major Banks
60%
Major Banks
60%
Self-employed & SME borrowers
Business owners locked in to their current bank
Asset-light businesses with strong pipelines
What our client say
Samriti Sharma
Excellent service — secured the best loan and made the entire process smooth and hassle-free. Highly recommend!
OoJ
Iris from Xin Mortgage provided exceptional service for our second SMSF property purchase. Her expertise in complex loan structures made the whole process seamless and stress-free. Highly professional and efficient—highly recommended! OJ
Natalie Hoang
Really happy with the support I received. They explained everything clearly and were always quick to respond to my questions. The whole process felt smooth and stress-free. Highly recommend!
Frequently Asked Quesiton
I've been told I need a private lender charging 15%+. Is that my only option?
Not always. Many commercial borrowers assume private lending is their only choice after speaking with a bank or another broker. With access to more than 40 lenders, including major banks and specialist lenders, we assess your situation and identify the most suitable options available.
I'm self-employed and my bank keeps asking for more information. Can I still get approved?
Yes. Self-employed borrowers often face additional scrutiny from traditional lenders. Our team works with a wide range of lenders and understands how to present complex financial situations, helping business owners access lending options that may not be obvious through a single bank.
Do I need different brokers for business loans, commercial property, SMSF lending and equipment finance?
No. XIN's commercial finance team can assist across a broad range of commercial lending needs, including business loans, commercial property purchases, SMSF commercial lending, development finance, and equipment finance, giving you one point of contact throughout the process.
I've been with the same bank for years. Isn't my current banker already giving me the best option?
Not necessarily. Every lender has different lending policies, risk appetites, and product offerings. A solution that doesn't fit one lender may be suitable for another. We compare options across our lender panel to help identify the most appropriate solution for your circumstances.
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