Commercial Lending

Why TPT Wealth

TPT Wealth provides first mortgage finance for your commercial and business lending purposes. You can take advantage of a number of flexible options so that your commercial loan best suits your needs over the long term. We have a range of innovative lending products to help you finance your next property investment, whilst still providing traditional relationship style customer service, giving you a personalised lending experience with tailored solutions.

Features and benefits

  • Flexible loan products
  • Long term interest only loan structure available
  • A dedicated relationship manager to assist with all your lending needs
  • A variety of income verification methods available
  • Quarterly loan payments in arrears
  • $0 ongoing account fees

Our Products:

Full Documentation Loan A commercial loan requiring a full financial assessment in return for a discounted interest rate and higher borrowing capacity
Alternative Documentation Loan A commercial loan for the self-employed and small businesses who have difficulty providing the standard financial documentation but are able to provide alternative documents to verify their income
Lease Documentation Loan For the property investor purchasing a property where rental income covers the loan repayments and outgoing property expenses. No other income verification required for the borrower, guarantors or directors.
Lite Documentation Loan A loan requiring minimal income verification documentation for time poor customers
Self-Managed Super Fund (SMSF) Loan A loan for SMSFs to assist with the purchase or refinance of property
MyState Bank Lending Products TPT Wealth and MyState Bank are wholly owned subsidiaries of MyState Limited. We are able to offer our customers both TPT Wealth and MyState Bank lending products to create a tailored lending package.

MyState Bank loan applications are subject to MyState's credit approval criteria. Terms and Conditions, Fees and Charges apply, and are subject to change.

© MyState Bank Limited (MyState Bank) ABN 89 067 729 195 AFSL 240896 Australian Credit Licence Number 240896. A wholly owned subsidiary of MyState Limited ABN 26 133 623 962.


Call this number to talk to an experienced relationship manager.

Call 1300 138 044

Frequently Asked Questions

1How long does it take for the loan to be approved?

Commercial loans are more complex and require more information than consumer lending. Due to this, for simple transactions if all supporting documents are provided upfront then we can generally provide a decision from 2 weeks. The application and credit decisioning process will take longer if the file is more complex or involves specialised security.

2What is the standard loan term?

TPT Wealth Commercial loans do not have a set loan term. Instead the loans are provided for a one to three year loan term where they will then be reviewed. Provided that the loan is able to pass the review process, the loan will be extended for a further period.

TPT Wealth Self-Managed Super Fund loans are issued for up to 25 years depending on the security type.

3Do I need to provide security?

We are able to lend up to 80% of the security value, depending on the security type provided.

Please contact one of our relationship managers on 1300 138 044 or by emailing and they will be able to discuss in more detail your security type and the maximum loan to value ratio we are able to offer.

4Our fees, repayments and interest

Interest is charged quarterly in arrears on the last day of the following months: March, June, September and December. Statements will be issued not long thereafter, outlining the interest that was due.

Principal repayments will be due as outlined in your individual loan agreement.

A review fee will be charged to the loan account every 1 to 3 years depending on the structure of the loan.

There are no monthly, quarterly or yearly loan service fees unless the 3 month interest rest rate is chosen.

A breakdown of our interest rates, fees and charges will be provided upon application.

5Do you have loan redraws?

Most loans have redraw options available with funds able to be redrawn without incurring any fees or penalties. No funds are able to be redrawn whilst the loan has a fixed interest rate or from any SMSF loans.

Surplus funds within the loan account can be accessed by completing the drawdown notice request form and providing this to your lending manager, emailing this to or posting this to GPO Box 227, Hobart TAS 7001.

6How much can I borrow?

How much you are able to borrow depends on the security you are able to provide and your income to service the loans. Please contact one of our relationship managers on 1300 138 044 and they will be able to discuss your situation in more detail.

7Who do you lend to?
  • Self-employed individuals for non-personal lending purposes
  • Business partnerships
  • Companies (private and public)
  • Family, Unit and Discretionary Trusts
  • Self-Managed Super Funds
  • Incorporated associations
8What circumstances won't you lend for?
  • If there is insufficient security to secure the loan
  • Insufficient income to service the interest and loan repayments
  • Securities in remote locations
  • Credit impaired lending
  • Borrowing for personal use
  • Second mortgages.


Our dedicated team of relationship managers are here to help with all your lending enquiries. If you have a relationship manager, please contact them directly, otherwise please get in touch by phone or email.

137 Harrington Street
1/65 St John Street


    For general commercial loan enquiries please fill out the enquiry form below.

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    All loans are subject to TPT Wealth’s commercial lending credit approval criteria. Terms and conditions, including fees and charges apply. Full details are available on application.

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