Quick Gap Funding Solutions for Your Commercial Projects

Bridge funding gaps with our tailored solutions, offering competitive rates, fast approvals, and expert guidance to keep developments progressing smoothly.

Get The Right Gap Funding Loan

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20 Years

Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.09%

COMMERCIAL LOAN

5.54%

COMPARISON

Conditions Apply*

$1 Billion+ Loans Settled
5 Star On Google
52 + Lenders

Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.09%

HOME LOAN

6.55%

BUSINESS LOAN

5.99%

ASSET FINANCE

Conditions Apply*

Smart Solutions, Simple Approach

We simplify gap funding, giving you access to multiple lenders and fast approvals tailored to your property investment needs.

Competitive Rates

Secure competitive rates from trusted gap funding lenders and save on financing costs.

Tracking Portal

Easily manage your application, upload documents, and track progress through our secure online portal.

Vast Lender Network

Compare options from multiple gap funding for property lenders to secure the best deal.

Personalised Support

One-on-one guidance from expert brokers ensures a smooth, transparent, and stress-free process.

Why Choose Credit Hub Over Banks or Traditional Lenders?

We prioritise your investment goals. Unlike banks, we provide solutions like investment property gap funding and personalised strategies with fast approvals.
Criteria Banks / Traditional Lenders
Lender Network Access to multiple lenders beyond traditional banks. Limited to in-house products only.
Personalised Advice Tailored gap funding strategies for property investments. Generic, one-size-fits-all loan structures.
Approval Speed Fast approvals, keeping your deals on schedule. Slow approvals, often causing delays.
Loan Flexibility Flexible terms for commercial and investment properties. Rigid terms with fewer repayment options.
Digital Access 24/7 secure portal for updates and tracking. Limited online tools, poor client visibility.
Client Results Thousands of successful investors with proven results. Mixed feedback, less confidence and support.

Why Choose Credit Hub Over Banks or Traditional Lenders?

We prioritise your investment goals. Unlike banks, we provide solutions like investment property gap funding and personalised strategies with fast approvals.

From 5.14%

p.a.
Banks

From 5.99%

p.a.

Smart Gap Funding, Fast Approvals. That’s The Credit Hub Way.

How Credit Hub Makes Gap Funding Easy

We understand that each investor’s needs differ, so our brokers take the time to analyse your property goals, financial situation, and market opportunities. Whether you need commercial gap funding to complete a business property deal, investment property gap funding for a high-value transaction, or gap funding for real estate, we connect you with lenders who align with your goals.

Our team carefully structures loans to provide flexibility, from short-term bridging options to long-term tailored strategies, ensuring the funding aligns with your investment timeline.

How Credit Hub Makes Gap Funding Easy

Why Choose Credit Hub Over Other Gap Funding Lenders

We stand apart from conventional lenders by offering a client-focused approach to gap funding. Unlike traditional banks that offer limited lending products, we provide access to a wide network of commercial and real estate gap funding lenders, giving you greater choice and more competitive options.

We prioritise transparency, keeping you informed at every stage of the loan process, while providing expert guidance to help you make confident decisions. With flexible loan structures, fast approvals, and dedicated support, We ensure that your property funding is smooth, efficient, and aligned with your financial strategy.

Our Gap Funding Options

Explore solutions tailored to your property needs with competitive rates, fast approvals, and expert guidance.

Construction Gap Funding

Bridge unexpected cost overruns during building stages to keep your commercial project progressing smoothly.

Acquisition Gap Funding

Cover the shortfall between lender finance and property purchase price when acquiring commercial real estate.

Equity Gap Funding

Secure additional capital to meet lender equity requirements and strengthen your project’s financial position.

Pre-Sale Gap Funding

Access advance funds against contracted sale proceeds to maintain cash flow before settlement.

Refinancing Gap Funding

Bridge the gap between existing loan payouts and new lender finance during refinancing processes.

Caveat Gap Funding

Obtain extra finance using second mortgages or caveats when primary loan limits are exhausted.

Frequently Asked Questions

Answers to common questions about our gap funding services.
Commercial gap funding is short-term finance that bridges the difference between traditional loan approvals and actual project costs. It’s commonly used in property development, acquisitions, or refinancing when banks don’t cover the full funding requirement. We provide commercial gap funding through 52+ lenders, offering competitive rates and tailored structures to keep your business or development project running smoothly.
Gap funding in real estate provides finance when approved loan amounts don’t meet total purchase or development costs. It acts as a safety net, ensuring projects continue without delay. For investors, real estate gap funding covers acquisition shortfalls, construction overruns, or pre-settlement expenses. We connect clients with trusted gap financing lenders to structure affordable solutions that align with future cash flow, sales proceeds, or refinancing options.
Gap financing lenders in Australia are often non-bank institutions, private lenders, or specialist commercial finance providers. Unlike traditional banks, these lenders take a flexible approach, offering funding solutions for complex projects. We have access to 52+ gap funding lenders across Australia, allowing us to compare terms and secure competitive rates for commercial property gap funding, acquisitions, or investment property gap funding needs.
Commercial property gap funding is typically used to cover shortfalls during property acquisition, construction, or refinancing. For example, if a bank finances 70% of a property purchase, gap funding can provide part of the remaining 30%. We arrange commercial property gap funding to ensure clients can move forward with confidence, accessing solutions from reputable lenders while avoiding costly project delays.
Yes, gap funding for property investments is a common strategy in Australia. It helps investors acquire residential, commercial, or mixed-use properties when full finance isn’t available through banks. Investment property gap funding can also cover development costs or equity requirements. We specialise in arranging property gap funding that aligns with your investment strategy, ensuring you secure opportunities without financial shortfalls.
Yes, real estate gap funding usually carries higher interest rates and fees compared to traditional bank loans. This is because gap funding lenders take on more risk when projects lack full bank backing. However, the benefit is that property gap funding keeps projects moving and opportunities secured. We work with clients to minimise costs by negotiating with trusted lenders and structuring repayment plans suited to project timelines.
The amount available through gap financing lenders depends on the project type, security offered, and borrower profile. Typically, commercial gap funding covers 10%–30% of project costs not financed by banks. We help clients assess borrowing capacity, compare offers from multiple gap funding lenders, and ensure terms are realistic. This personalised approach gives borrowers the best chance of securing affordable and effective funding.
Yes, property gap funding often works alongside standard commercial loans. It may take the form of a second mortgage, caveat loan, or short-term facility to supplement bank finance. This blended approach ensures you have full funding without restructuring your main loan. At Credit Hub, we design tailored solutions that combine commercial property gap funding with traditional loans, helping investors and developers achieve their project goals.

More Loan Options, Less Stress. That’s the Credit Hub Way.

Easy Process, Expert Guidance, Smarter Gap Funding for Your Project

We simplify gap funding for property and commercial projects by bridging finance shortfalls with expert support, competitive rates, and fast approvals.

1

Initial Consultation

We assess your project, funding requirements, and shortfall amount to create a tailored gap funding strategy.

2

Loan & Assessment

We compare 52+ trusted gap funding lenders to find competitive solutions for property, development, or investment needs.

3

Application & Approval

Our team manages documentation, submits your application, and liaises with lenders to secure fast gap funding approvals.

4

Settlement & Support

From settlement to project completion, we provide ongoing guidance to ensure stress-free, efficient gap funding management.

More Lenders More Chances to Say Yes

Get expert loan solutions with our 52+ lenders on board.

All the Calculators You’ll Ever Need

Estimate repayments, check borrowing power, and plan smarter with easy tools designed for property investors:

Loan Repayment

Calculate your monthly repayment?

Saving calculators

How much can I save?

Comparison Rate

What is my comparison rate?

Loan comparison

What is loan comparison?

Ready to Secure Your Gap Funding?

Get the funds you need today with property gap funding solutions and expert guidance.

Hear From Our Clients Who Found Us For Their Finance and Property Needs

Discover client experiences with our trusted loan and finance solutions.

Emma
Melbourne, Vic
Credit Hub understood my investment goals and helped me secure commercial property funding faster than any bank.
David
Brisbane
Switching my loan felt confusing, but Credit Hub explained everything clearly and saved me a lot of money.
Mohan
Perth
Credit Hub’s team really knows their stuff! They made everything easy, kept me informed, and helped me secure my loan without delays.
Ollex
Melbourne
As a first-home buyer, I had no idea where to start. Credit Hub guided me step by step and made the journey stress-free!
Shreya
Melbourne
Highly recommended! Amazing people.

Mortgage Broker in Point Cook

Credit Hub Australia

About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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