Synergy Commercial Property Finance

What Synergy Commercial Property Finance does

Synergy Commercial Property Finance Pty Ltd is an Australian specialist property finance brokerage headquartered in Melbourne, Victoria, operating under Australian Credit Licence 477335 (ABN 61 757 468 046). The company is led by Director Paul Cleary, who has over 25 years of property finance experience and serves as the primary point of contact for all client engagements. Synergy acts as an intermediary between borrowers and lenders, sourcing lending arrangements from a network of competing loan providers that includes traditional and non-bank private financiers. Its operations are documented across Victoria (Richmond, Albert Park, Abbotsford, Melbourne CBD, South Melbourne, North Melbourne, Kew, Mornington Peninsula) and Queensland (Brisbane).

The company's core product portfolio spans four lines: Commercial Property Finance (investment and owner-occupied loans across commercial, industrial, retail, and specialised asset classes, up to 75% of property value), Construction Finance (development and land acquisition funding up to 80% of total development cost, including non-presale and owner-builder scenarios), Home Loans (jumbo residential loans of $10M+, fixed rate, lo-doc/non-conforming, and refinancing, up to 95% of valuation), and Mezzanine & Structured & Equity Finance (alternative capital to minimise or extract equity in projects under construction). The product set is supported by an online calculators suite (loan repayment, stamp duty, offset, comparison, income tax, leasing) hosted on the company website as a top-of-funnel lead generation tool.

The business operates on a commission-based brokerage model, earning fees from lenders for placing loans rather than charging disclosed client pricing. GTM is sales-led and relationship-driven, with the director as the principal originator and no resellers, intermediaries, or marketplaces in the distribution chain. Marketing is primarily through direct client relationships, professional referrals, the director's LinkedIn presence, and the calculator-enabled website. Customer segments include property investors, property developers and syndicates, high net worth / private home buyers, and sophisticated property participants seeking structured or mezzanine finance. Transaction sizes documented range from $4.5M to $50M, with outcomes including non-recourse construction facilities, 30-year portfolio refinances, and fixed rates below 2% all-up for investment properties.

Name

Synergy Commercial Property Finance

Legal name

Synergy Commercial Property Finance Pty Ltd

Website

https://synergycpf.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Synergy Commercial Property Finance is a Melbourne-based Australian specialist property finance brokerage. It arranges commercial, construction, residential, and mezzanine finance for property investors, developers, and high-net-worth borrowers via a network of competing lenders, led by Director Paul Cleary.

Ownership category

akta.pro rank

Product category

Commercial Property Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Capital Markets Advisory (Equity Placement, JV & Recapitalization) (BPAJABAL)

Keywords

• Commercial property finance
• Construction lending
• Mortgage brokering
• Mezzanine financing
• Home loan services

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Finance Brokering / Mortgage Origination: The company acts as an intermediary between borrowers and lenders, earning commissions from lenders for placing loans. As a specialist property finance broker, they present and explain suitable finance options to clients and have built relationships with competing loan providers to deliver optimal lending arrangements.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Synergy Commercial Property Finance is a specialist Australian property finance brokerage that arranges and structures loan facilities for property investors, developers, and home buyers. Acting as an intermediary between borrowers and a network of competing lenders (including banks and non-bank financiers), the company sources optimal lending arrangements across commercial property, construction, residential home loans, and mezzanine/structured/equity finance. Revenue is generated through commissions paid by lenders for placed loans.

Product overview

Synergy Commercial Property Finance operates as a specialist commercial property finance brokerage offering a unified suite of property lending products. The core offering consists of four interconnected services: Commercial Property Finance (investment and owner-occupied loans across commercial, industrial, retail, and specialised assets), Construction Finance (development and construction funding with land acquisition options), Home Loans (residential lending including jumbo loans and investment properties), and Mezzanine & Structured & Equity Finance (alternative capital solutions). These products are supported by a Loan Calculators Suite available through their online portal. The company acts as an intermediary, matching clients with optimal lending arrangements from competing lenders across the finance industry.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Property Finance Bespoke commercial property funding solutions providing access to a wide portfolio of lenders beyond traditional sources. Covers investment loans and recourse/non-recourse loan facilities across commercial, industrial, retail, and specialised asset classes, with loan amounts up to 75% of property value. Targeted at property investors, trusts, syndicates, and commercial property buyers.
• Construction Finance Specialist construction lending solutions for development projects, including land/site acquisition finance, owner-builder scenarios, residual stock loan facilities, pre-sales flexibility, Full Doc and Lo Doc funding options, and loans up to 80% of total development cost. Targeted at property developers, syndicates, and owner-builders.
• Home Loans Residential home loan brokerage solutions including jumbo residential loans ($10M+), lines of credit, fixed rate home loans, lo-doc/non-conforming credit, property investment loans, refinance/consolidation, and loans up to 95% of valuation. Targeted at high net worth borrowers, first home buyers, and individual property investors.
• Mezzanine, Structured & Equity Finance Alternative financing solutions including mezzanine finance, structured finance, and equity finance designed to minimise required equity to commence projects or extract equity from projects under construction. Targeted at sophisticated property developers and participants.

Quantifiable outcome

• Non-recourse construction loans with senior and mezzanine development funding options
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Emerging players

• Lendi: Digital-first Australian mortgage broker (owner of Aussie Home Loans) using technology to streamline broker-led lending; competes with Synergy through a more scalable, digital intermediation model.
• Brooklyn Financial: Australian commercial and residential finance brokerage focused on complex property finance for investors and developers; closely mirrors Synergy's specialty positioning and product mix.

Direct peers

• Connective Home Loans: Australian mortgage aggregator and broker network offering access to multiple lenders; comparable in intermediation structure and customer overlap with property investors and developers.
• Loan Market Group: Large Australian mortgage broker network aggregating demand across residential and commercial property finance, with similar lender-relationship economics to Synergy's intermediation model.
• Smartline Personal Mortgage Advisers: Australia's largest mortgage broker network (now part of REA Group), directly comparable to Synergy as a multi-lender mortgage and commercial finance intermediary serving property investors and developers across Australia.
• Mortgage Choice: Established Australian mortgage broker (owned by REA Group) connecting borrowers to a panel of lenders; comparable to Synergy's intermediation model across home loans, investment, and commercial property finance.
• AFG (Australian Finance Group): Australian mortgage aggregator operating a broker network with access to a broad lender panel; directly comparable to Synergy as a specialist finance broker with similar multi-lender distribution model.
• Home Loan Experts: Australian mortgage broker specializing in residential and investment property lending, comparable to Synergy's home loans and investment property finance offerings with a multi-lender panel.

Broad incumbents

• Aussie Home Loans: Major Australian retail mortgage broker (now part of Lendi Group) offering home loans and investment property finance across a much larger footprint than Synergy; overlapping customer segments.

Others

• RateCity: Australian financial comparison platform for loans, mortgages, and banking products; an enabling ecosystem participant that complements or substitutes for traditional brokers like Synergy in borrower lead generation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/synergy-commercial-property-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Synergy Commercial Property Finance