HOME LOANS FOR BUSINESS OWNERS GOLD COAST
Lending that looks through your structure, not just your drawings.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, BUSINESS OWNER LENDING EXPERT
Chat with Lee, your Gold Coast business owner lending expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Structured income read properly.
Company and trust income, retained profits and directors' fees, presented to lenders who look through the structure instead of stopping at what you paid yourself.
2. Every entity and guarantee mapped.
Director guarantees, business overdrafts and equipment finance all sit behind your application. We map every entity and guarantee before lodging, so nothing surfaces late.
3. Business and personal kept separate.
Business debt secured against the family home is cheaper but not always right. We show you what each structure costs and what it does to your next purchase.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast business owners use Serres?
Two lenders can look identical on price and reach opposite decisions on the same company file, because policy on retained profits, trust distributions and director guarantees varies enormously across the panel.
We tell you what's achievable before you make an offer or restructure the business, so you can move knowing the finance will hold and your next purchase is still possible.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
How do lenders assess income held in a company or trust?
Some lenders only count what you've distributed to yourself, others will look through to retained profits and net profit before tax. That difference alone can change your borrowing capacity by hundreds of thousands.
Does a director guarantee affect what I can borrow personally?
It can. Guarantees behind business or commercial debt are treated as a liability by some lenders and not others, which is why we map every entity and guarantee before lodging.
Should business debt sit against my home?
It's cheaper, but it ties your business risk to the family home and can limit your next purchase. We show you both structures and what each costs before you decide.
Can I borrow across multiple entities?
Yes, though lenders differ on how they aggregate exposure across companies, trusts and your personal name. Getting the structure right early keeps your next purchase possible.
