The team you deal with
Goodstead is the specialist brand. GS Financial Group runs the review, explains every cost, coordinates valuation and documents, and stays with you through to settlement.
PROPERTY-BACKED BUSINESS FINANCE
Your equity.
Your next move.
For established owners with completed property and income to show for it. Refinance an expensive facility, release equity for a clear business purpose, or consolidate business debt — grounded in what you can afford.
- Defined lending criteria
- Clear costs and conditions
- Support through settlement
GSA proposed specialist brand
within GS Financial Group
within GS Financial Group
SPACE FOR YOUR NEXT CHAPTERStrong foundations.
A clearer way forward.
BUSINESS OWNERS & PROPERTY INVESTORS01 /
HOW GOODSTEAD IS PUT TOGETHER
One team to talk to.
Serious funding behind it.
Goodstead is a brand operated by GS Financial Group, with finance arranged through an established funding program. You get a single point of contact — and the backing to complete.
Powered by Funding PartnerThe funding behind it
The capital and the final lending decision sit with Funding Partner, under its own credit policy and licence. Meeting the criteria is a strong start, not a guarantee of approval.
A CLEARER PURPOSE
Good finance starts
with a good reason.
Three ways to review your position.
One team to help you understand the options.
Refinance with perspective.
Review an expensive or approaching-maturity business loan. Compare the full cost, repayment profile and next steps.
EXISTING PROPERTY DEBTGive your equity a purpose.
Explore a defined business funding need against property you already own, supported by income you can demonstrate.
BUSINESS EQUITY RELEASEMake your debt make sense.
Bring eligible business facilities into a clearer structure. Assess fees, total interest and the debt still owing over time.
BUSINESS DEBT CONSOLIDATIONWHAT A GOOD FIT LOOKS LIKE
A good fit starts with
strong foundations.
Goodstead is built for a specific position. Knowing it up front saves everyone time — the fit check simply measures your figures against it.
- 01
Completed, marketable property
Commercial, industrial or residential security that is already built and could be sold — not land, a development site or work in progress.
- 02
Room left in the equity
A proposed core leverage band of 50–55% of value, up to a 60% ceiling, so a meaningful equity buffer stays in place after borrowing.
- 03
Income that supports it
Repayments met from existing, evidenced income — not from selling the property later or taking on further debt.
- 04
A genuine business purpose
Refinancing, releasing equity or consolidating debt for the business — not personal or household borrowing.
These are proposed starting criteria for the concept, not lender approval. Meeting them is a strong start — a full assessment and the funding provider's credit policy still decide the outcome.
SEE WHERE YOU STAND
Measure your figures against it.
Start here and pick up the full three-step check on the next screen — no sign-up, and your result shows before any contact details are asked.
THE GOODSTEAD APPROACH
Know where you stand.
At every step.
Your position.
Understand your current borrowing, property, income and reason for change.
The full picture.
Compare suitable funding pathways, all fees, repayments and the longer-term cost.
A managed next step.
GS Financial Group coordinates the valuation, documents and settlement. Funding Partner makes the final credit decision under its policy.
A lower repayment is only part of the story.
The full cost deserves a clear explanation.
HOW IT COULD LOOK
Grounded in real
business situations.
Three examples of the positions Goodstead is built for, and how a review would approach each one.
- REFINANCE
A maturing commercial facility
- Situation
- An owner-occupier held a $2.1m loan against a completed office suite, nearing the end of an interest-only term with repayments about to step up.
- Approach
- The position was reviewed against current income, the full cost of staying put was compared with a refinance, and every fee was set out in writing first.
- Illustrative outcome
- A single facility around 52% of value, with the total cost and the debt remaining at the same future date shown side by side.
- EQUITY RELEASE
Funding the next site
- Situation
- A trades business owned an industrial unit outright and needed roughly $900k to fit out a second location without disturbing its bank overdraft.
- Approach
- Usable equity was tested against evidenced income, and the request was framed as a clear business purpose rather than open-ended borrowing.
- Illustrative outcome
- An indicative facility near the lower end of the target band, keeping a strong equity buffer in place after drawdown.
- CONSOLIDATION
Simplifying a scattered debt position
- Situation
- A hospitality group carried three business facilities at different rates and maturities, secured against a freehold venue.
- Approach
- Eligible debts were mapped into one structure, with total interest and ongoing repayments compared against the existing arrangement.
- Illustrative outcome
- A consolidated facility within the proposed leverage ceiling, with the trade-offs laid out before any commitment.
Illustrative scenarios for explanation only — not actual clients, testimonials or approved outcomes. Figures are examples, not offers.
WHAT IT COULD COST
No surprises.
Costs on the table first.
Before any paid work begins, you get a written view of the costs that apply to your situation. A lower repayment can still cost more overall, so the comparison that matters is total cost and the debt remaining at the same future date.
No fee or interest rate has been set for this concept — the categories below are what a full quote would cover, not a price.
Lender & origination
Interest, and any lender establishment or origination fees on the new facility.
Adviser
Any fee for arranging and managing the facility, agreed with you in writing first.
Valuation & legal
Property valuation and the legal work to prepare and register the security.
Existing exit costs
Discharge, break or early-repayment costs on the facility you are leaving.
A FEW STRAIGHT ANSWERS
Good questions.
Who is Goodstead for?
Established business owners and commercial-property investors with completed property, substantial equity and income to support their borrowing. It covers genuine business-purpose finance — refinancing, releasing equity or consolidating business debt.
Is Goodstead the lender?
No. Goodstead is a specialist brand operated by GS Financial Group, the team you deal with. The capital and the final lending decision sit with Funding Partner, under its own credit policy and licence.
Does meeting the criteria mean I’m approved?
No. Meeting the proposed criteria is a strong start, not an approval. A full assessment — valuation, income verification and the funding provider’s credit checks — still decides the outcome, and the fit check on this page never provides a lending decision.
What would it cost?
Before any paid work begins, you get a written view of the costs that apply — lender and origination fees, adviser fees, valuation and legal costs, and any exit costs on your existing facility. No fee or interest-rate offer has been approved for this concept, so no numbers are promised here.
Does having equity mean I can borrow?
Equity is only one part. Property type and value, income, existing obligations, the purpose of borrowing and the repayment plan all matter. The fit check does not verify these factors or provide approval.
FOR ACCOUNTANTS & BROKERS
You know the owner.
We work through the finance.
A focused property finance review for clients with established businesses, substantial equity and a clear reason to borrow.
Explore the referral approachPROPOSED PARTNER MODELYour relationship.
Your relationship.
A dedicated finance team.
- A joint introduction with your client
- Clear referral attribution and agreed remuneration
- One team coordinating information and next steps
- Updates throughout assessment and settlement
Funding remains subject to the lending partner's approval. Referrals would proceed with the client's consent.
A GOOD PLACE TO START