Fit Out Finance

You've rented or purchased premises for your practice and now you need to fit it out with fixtures and fittings to make it look professional. We know it's a complex task, with all sorts of hidden pitfalls and unforeseen costs that can be exacerbated by restrictions of the finance you've arranged. We make it easy with a flexible escrow facility which covers everything - and we mean everything, from dry walling right down to carpets, windows, paint and plumbing. We manage the payments to suppliers under your instruction and you pay the total amount back in one simple repayment structure. Fit-outs are a large investment in your practice and while it's important that you choose the right assets and equipment, it's equally important that you choose the right kind of financing.
Category: Business Loans  Last Updated November 4, 2025  Effective December 22, 2025

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT Interest Only product. Additional Information
Interest Rate
9.95% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Other Additional Information: Flexible draw-down facility for payments during the fitout process
  • Other Additional Information: Manage payments across various suppliers/trades people
  • Other Additional Information: Flexible terms and repayment options including low startup repayments
  • Other Additional Information: A range of fitout finance options including lease, hire purchase, rental or chattel mortgage
  • Other Additional Information: Options of no repayments during the drawdown stage to free up cash flow
  • Other Additional Information: Your dedicated financial specialist can manage the facility and payments of invoices to free up your time

 Product Eligibility

  • Other Additional Information: Exclusively available to medical, dental, veterinary and accounting professionals

 Bank Fees and Charges

  • Payment Dishonour Fee (Variable), Amount: Not Listed.. Additional Information: Charged each time a cheque or payment made by you is dishonoured
  • Swift Fee (Variable), Amount: Not Listed.. Additional Information: Charged if sending payment via SWIFT
  • Termination Fee (Variable), Amount: Not Listed.. Additional Information: Payable if an agreement is terminated before expiration of the term of that agreement
  • Monthly Account Keeping Fee (Variable), Amount: Not Listed..
  • Break Costs (Variable), Amount: Not Listed.. Additional Information: Payable if an agreement is terminated before expiration of the term of that agreement
  • Discharge Fee (Variable), Amount: Not Listed.. Additional Information: $150 (PPSR security) $250 (property) Charged each time a security is discharged (per security)
  • Documentation Or Establishment Fee (Variable), Amount: Not Listed.. Additional Information: Charged for set up of the Facility
  • Settlement Cancellation Fee (Variable), Amount: Not Listed.. Additional Information: Charged if a booked settlement does not proceed
  • Variation Fee (Variable), Amount: Not Listed.. Additional Information: $395 - $950. Charged for any variations made to the loan that need documentation
  • Trust Deed Review (Variable), Amount: Not Listed.. Additional Information: Charged when a trust deed requires review
  • Consent To Lease Fee (Variable), Amount: Not Listed.. Additional Information: Charged when a consent to registration of lease and production of Certificate of Title is required
  • Application Reassessment Fee (Variable), Amount: Not Listed.. Additional Information: Charged when an application is reassessed
  • Escrow Services Fee (Variable), Amount: Not Listed.. Additional Information: An escrow services fee is payable at the end of each escrow agreement you make with us.
  • Direct Debit Processing Fee (Variable), Amount: Not Listed.. Additional Information: Charged for each time a direct debit is received from you
  • Bank Cheque Fee (Variable), Amount: Not Listed.. Additional Information: Charged if sending payment via Bank Cheque (per bank cheque)
  • Substitution/assignment/novation Fee (Variable), Amount: Not Listed.. Additional Information: $450 plus any applicable External Costs