Driving commercial property loans through broker partnerships

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Macquarie Bank’s move into the commercial property lending sector is gaining momentum

TO SUPPORT its commercial broker network in meeting accelerated commercial property lending demand, Macquarie Business Banking established a dedicated commercial property lending team in early 2021. Commercial lending activity in the Australian broker market grew to an all-time high in 2021, with brokers settling $13.4bn in the six months to September – 43% growth year-on-year “Ultimately, we want to make it easier for brokers to do business. So we’ve invested in our business capabilities to better meet the needs of both commercial brokers and their clients,” says Macquarie Business Banking’s Head of Commercial Broker Channel, Brian Steele.

Banking and Financial Services (BFS) comprises Macquarie’s retail banking and financial services businesses, providing a diverse range of personal banking, wealth management, and business banking products and services to retail clients, advisers, brokers and business clients. Macquarie Business Banking provides a full range of deposit and lending products, payment solutions and tailored services to business clients, ranging from sole practitioners to corporate professional firms, which are engaged through a variety of channels, including dedicated relationship managers.

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Simplifying commercial lending Through ongoing dialogue with brokers, Macquarie Business Banking continuously focuses on improving the broker and client experience by investing in digital capability – such as tailor-made deposit, lending and payment solutions, as well as diagnostic tools. Its integrated client-broker experience also helps clients plan ahead, managing their day-to-day needs while keeping brokers in the loop. The bank has also broadened its solutions, including making customer payments more efficient through its DEFT payment system and solving specific industry challenges with products such as specialised cash flow lending for healthcare professionals. With a team of specialists available to guide clients through each stage of the loan journey and beyond, Macquarie Business Banking has also created an ecosystem of support that brokers can rely on. And now, the bank’s recent investment in growing its commercial property lending solutions allows brokers to meet the needs of a wider range of clients.

Brian Steele, Macquarie Business Banking

“We’re committed to partnering with commercial brokers and are growing into a segment that’s important to our brokers and their clients,” Steele explains. “Our offering is very competitive in terms of flexibility and pricing, and our approach of getting to know the client and their business well ensures we are effective in helping them succeed and grow.” Macquarie Business Banking supports complex borrowing structures across office, retail, industrial, co-living and childcare assets, as well as residential assets such as apartment blocks, prestige properties and diversified investment portfolios. Deeply committed to partnering with brokers, the Macquarie Business Banking team continues to invest in tailoring its capability to help brokers meet the needs of their clients – and grow their businesses in an evolving lending landscape.

For more information, talk to a business development manager in your state today. Macquarie Business Banking is a division of Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL). DEFT is issued by MBL. This article has been prepared for the use of licensed brokers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

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“Our approach of getting to know the client and their business well ensures we are effective in helping them succeed and grow”

Macquarie Bank’s move into the commercial property lending sector is gaining momentum

11%

13%

22%

25%

June 2020

Sept 2020

Dec 2020

Mar 2021

June 2021

Source: Thinktank Australian real estate market focus report, March 2022

Year-on-year growth in industrial property returns by quarter

Sept 2021

Dec 2021

14%

29%

Supporting brokers in the evolving commercial property landscape While Macquarie Business Banking has always offered commercial property solutions, it has responded to demand by growing its commercial property lending offering. As the need for specialist commercial lending has grown, the bank has responded with flexible commercial property loan solutions to support acquisition and refinancing investments – including office, retail and industrial buildings. These are ideal for mixed-use property portfolios and can be tailored to different tenancy profiles. It also offers pure residential lending for borrowers with more than four investment properties.

“We’re committed to partnering with commercial brokers and are growing into a segment that’s important to our brokers and their clients”

Brian Steele, Macquarie Business Banking

To help its commercial brokers succeed, Macquarie Business Banking offers support at every stage of the business life cycle – from growth, mergers and acquisitions, to working capital, property purchase and succession planning. With deep understanding across diverse industries, Macquarie's commercial broker team also provides strategic insights to support client conversations. This helps brokers stay ahead of the curve with access to commercial lending trends and forecasts, while networking events provide opportunities to continually learn and connect.

Source: Australian Bureau of Statistics March 2022 Lending indicators

New borrower-accepted construction loan commitments, Mar 2022*

$2.84bn

Month-on-month change

23.6%

Year-on-year change

7.1%

* Seasonally adjusted

Brian Steele, Macquarie Business Banking

Commercial lending activity in the Australian broker market grew to an all-time high in 2021, with brokers settling $13.4bn in the six months to September – 43% growth year-on-year.

See report