Question 1

What services does Baaz Finance Pty Ltd provide?

Accepted Answer

Baaz Finance Pty Ltd is a private finance brokerage and capital advisory desk. We arrange Prestige Mortgages, Luxury Asset Finance, Business Capital, and Commercial Lending structures, syndicating terms across over 45 elite institutions.

Question 2

Do you charge an advisory fee for your services?

Accepted Answer

In most residential and standard commercial cases, our advisory service is free to you, as we are compensated directly by the lender you select. For highly complex corporate or mezzanine structures, any advisory fees will be disclosed upfront during briefing.

Question 3

How are you different from a retail bank?

Accepted Answer

A retail bank is restricted to their own credit policies. As private advisors, we access 45+ premier credit Desks—major banks, tier-2 retail desks, and private debt syndicates—enabling us to architect structures custom to your cash details.

Question 4

Where are your suites located?

Accepted Answer

Our offices are located at 1 Ambition Way, Griffin, Queensland 4503. However, we service corporate and residential clients across Australia via phone, secure video links, and private email channels.

Question 5

How much deposit is required for a luxury property?

Accepted Answer

Generally, lenders require a 20% equity deposit to bypass Lenders Mortgage Insurance (LMI). However, we specialize in arranging LMI waivers for select high-income professionals and mapping private bank products that allow lower deposit parameters.

Question 6

What is Lenders Mortgage Insurance (LMI)?

Accepted Answer

LMI is an underwriter premium protecting the lender if default occurs. If your leverage exceeds 80% LVR, LMI is typically required. We negotiate LMI discounts or structured waivers depending on your asset profile.

Question 7

Can self-employed or trust entities borrow?

Accepted Answer

Yes, this is our specialty. We map alternative documentation loans (Alt-Doc) using BAS history, accountant statements, or company bank returns to optimize borrowing power without strict tax return files.

Question 8

What is the turnaround for equipment or invoice finance?

Accepted Answer

Equipment chattel mortgages and unsecured working capital lines can often be negotiated and funded within 24 to 48 hours. Large commercial construction facilities typically take 3 to 4 weeks to syndicate.

Question 9

Do I need full financials for asset finance?

Accepted Answer

Not necessarily. We have active relationships offering 'Low Doc' asset financing lines for established businesses (ABN trading over 12-24 months) with clean credit history, enabling fast asset acquisition.

Frequently Asked Questions

General

Home Loans

Corporate & Commercial

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