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What it costs
Almost nobody in this industry publishes this page. That is the reason it exists.
What a broker earns, what we charge, what the guarantee covers, and every other cost of getting a business or commercial deal to settlement. Written so you can plan against it, not so you feel good about us.
30 minutes with Priyank. No application, and no lender sees anything until you say so.
The five-second version.
Fixed fee, quoted in writing before you pay anything. Complex and consultancy work is individually quoted, always as three options at three price points. And if we don’t secure the offer set out in your Action Plan, the fee is refunded in full.
Exact fee bands are being finalised for publication and will appear here first. Everything below shows how each layer of the cost stack works.
How brokers get paid
First, the part nobody explains.
Lender commission
When a loan settles, the lender pays the broker an upfront commission — typically a percentage of the amount drawn — and a smaller trail commission each year the loan stays in place. This is paid by the lender, not added to your loan. For consumer credit these amounts are disclosed to you in writing in the credit quote and credit proposal disclosure document before you proceed.
We receive this. So does every other broker you will speak to, including the ones who tell you they are free.
Our consulting fee
Commission pays for arranging a loan. It does not pay for four unpaid steps before you commit, industry-benchmarked due diligence on what you are buying, price negotiation with a vendor, scenario modelling across your whole position, or a structure built with your accountant.
That is what the fee is for. It is quoted in writing before you decide, and it is guaranteed against the outcome.
The guarantee
If we don’t secure the offer set out in your Action Plan, your fee is refunded in full.
Your Action Plan is written and handed to you at the meeting. It names the structure, the lender class, the terms we are working to and the timeframe. If we don’t get you there, you don’t pay us.
If you decide not to proceed, or your circumstances change materially, we hold your fee as credit for twelve months. Full terms are set out in your Action Plan before you accept it.
Our fees
Published, banded, and quoted before you decide.
Free, always
The seven-minute call. The document review. The written snapshot and scenario model of your financial position that our team builds. The thirty-minute Action Plan meeting with Priyank. And, if we cannot help, the one-to-six-month plan to become fundable.
Four steps, no charge, whichever way the answer goes.
Business, commercial, SMSF and debt restructure
Quoted as a fixed fee in your Action Plan. The figure moves with the number of entities involved, the lender class required, and whether we are restructuring existing facilities alongside the transaction. You see the number, the scope and the guarantee before you accept anything.
Development, complex commercial and consultancy
Quoted individually, usually as a choice of engagement levels rather than a single price, because the right scope depends on how much of the work you want to carry yourself. Property development consultancy is a paid advisory engagement from day one — advisory that is free is advisory that is selling something else.
Home and investment lending
Generally handled alongside entity, portfolio or business work for existing clients rather than as a standalone service. Quoted case by case.
Fees are exclusive of third-party costs set out below. All fees are quoted in writing before any work begins.
The rest of it
Every other cost of getting in.
The number that catches people out is never the one they were quoted.
Buying a business
- Deposit or equity contribution
- Lender application and establishment fees
- Business valuation, where required
- Legal — contract review, transfer of lease, employee entitlements
- Accounting and financial due diligence
- Stamp duty on transferable assets, where it applies in your state
- Working capital for the first months of trading
Buying commercial property
- Deposit
- Stamp duty — varies by state; South Australia charges none on commercial property
- Lender application and establishment fees
- Valuation, paid by you, instructed by the lender
- Legal and conveyancing
- Building and pest, or a condition report
- GST treatment — often a going-concern question worth asking your accountant early
Third-party costs are payable to those third parties, not to us. Figures vary by state, lender and transaction. Your Action Plan sets out the full estimated cost of getting in.
The number most brokers won’t show you
A lower rate over a longer term can cost you more.
This is the most expensive misunderstanding in lending, and it is the reason we show total interest alongside the monthly figure on every restructure we do.
Same loan, refinanced. The monthly column is the one every comparison shows. The total column is the one almost none do.
Show the workings
| Structure | Monthly repayment | Total interest paid |
|---|---|---|
| $1,000,000 at 9.0% over 15 years | $10,143 | $825,680 |
| $1,000,000 at 6.5% over 25 years | $6,752 | $1,025,621 |
| The difference | Saves $3,391 a month | Costs $199,941 more |
Worked example, principal and interest, rates and terms as stated, standard amortisation. Excludes fees and any refinancing costs. Your own figures will differ. Every restructure we do shows you the monthly saving and the total interest at both the existing and the proposed term. Not as a disclaimer — as a documented service standard.
Try it yourself
The same maths, in your hands.
Interest-rate context
Where the market sits, and when we will tell you not to move.
Owner-occupier commercial
Indicatively from around 6% per annum as at July 2026. Owner-occupied commercial property is assessed more favourably than investment.
Secured business lending
Broadly 7.5% to 9.5% for property-secured facilities. Non-bank and private credit sits higher, and buys speed or leverage a bank will not.
When not to refinance
If break costs exceed the saving, if you refinanced within the last twelve months, or if the facility is small enough that costs consume the benefit — we will tell you to stay where you are.
Rate ranges are indicative market context as at July 2026, drawn from published industry sources, and are reviewed quarterly. They are not an offer or a quote. Actual pricing depends on the lender, your security position, serviceability (whether your income, as the lender reads it, supports the repayments) and eligibility. Refinancing costs including break, discharge, valuation and application fees may apply.
Straight answers
Fair questions.
Do finance brokers charge fees in Australia?
Most do not charge the client directly — they are paid a commission by the lender. We are paid that commission too, and we disclose it. We also charge a consulting fee on the work we take on, because the structuring, due diligence and negotiation that produces the outcome is not what a lender commission pays for. Our fee is quoted in writing before you decide, and guaranteed against the outcome in your Action Plan.
How do mortgage and finance brokers get paid?
Two ways. An upfront commission from the lender when a loan settles, typically a percentage of the amount drawn, and an ongoing trail commission each year the loan remains in place. Both are paid by the lender, not added to your loan. For consumer credit, the amounts are disclosed to you in the credit quote and credit proposal disclosure document before you proceed.
What does Prevail charge?
Everything up to and including your Action Plan meeting is free. If we take your file on, the fee is quoted in writing and is guaranteed — if we do not secure the offer set out in your Action Plan, it is refunded in full. Fees start from a published floor and vary with entity count, lender complexity and whether we are restructuring existing facilities alongside the transaction. Development, complex commercial and consultancy engagements are quoted individually.
What are the other costs of buying a business or commercial property?
Beyond the deposit: lender application and establishment fees, valuation fees, legal and conveyancing, accounting and due diligence, stamp duty where it applies, and working capital for the first months of trading. Stamp duty varies by state and South Australia charges none on commercial property. Your Action Plan sets out the full cost of getting in, not just the deposit.
Is a lower interest rate always cheaper?
No, and this is the most expensive misunderstanding in lending. A lower rate over a longer term can cost far more in total interest while showing a lower monthly repayment. We show you both the monthly figure and the total interest at both terms on every restructure, as a standing service commitment. See the worked example below.
Can I claim your fee as a tax deduction?
Costs of borrowing for an income-producing or business purpose are often deductible, sometimes over several years. It depends on your circumstances and the purpose of the borrowing, so your accountant should confirm it. We are not tax advisers and we will not pretend otherwise.
Next step
See the whole cost before you commit to any of it.
30 minutes with Priyank. No application, and no lender sees anything until you say so. You’ll know whether we can fund it — and either way, you leave with a plan.
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