Why Use us?

We offer a commercial finance brokerage service for Raine & Horne clients through a long-standing partnership with award winning and local mortgage broker firm AAP Finance Brokers Pty Ltd.

AAP Finance Brokers has over 50 years of local knowledge and a combined 45 years of mortgage, commercial and corporate industry experience across Australia, Asia and the Pacific.

We recommend a risk strategy of not placing all your loans with one lender, by being the central business relationship point for all your commercial loan requirements, including asset and equipment finance.

Call us on 1300 141 453

or click here to email us...
...or visit us through any one of the Raine & Horne offices located at Terrigal, Avoca, Saratoga, and Erina.

Types of Mortgages

A term loan to buy your own work premises or invest

We have several funding options to assist you in purchasing your office, factory, or retail premises, and can be purchased using either in a personal name or corporate entity.

Property Development

We have completed over $150m in property development transactions since 2013. We know the key people to contact and provide you with a variety of property development options offered by mainstream and private lenders.


Our free health check service will identify if you are paying too much for your existing business finance arrangements. We make it easy by collecting the majority of your information from your accountant and we can sit down with you at your home or office premises.

Self-Managed Superannuation Loans

These loans are extremely popular if you are looking to invest long term and wish to hold the property in a self-managed super fund. Only a limited number of lenders provide this product and we can assist in accessing these loans to get you a great deal.

Mention Raine & Horne and avoid paying an upfront mandate fee of $1650.

Our Experience

Tony Haworth

A passion for helping businesses and self employed individuals achieve their financial goals has led to the establishment of the AAP Finance Brokers Group. I bring an extensive commercial, residential and risk banking background, that commenced in 1985, working across the Asia/Europe Region based in Hong Kong, the South Pacific Region based in the Cook Islands, and locally in NSW and Queensland. During this time, I have undertaken several senior management regional roles for ANZ Bank that allowed me to gain valuable detailed insights across the Australia and Asia Pacific Region.

Contact Tony on 0417 087 187 or email [email protected]

Learn more...

Chris Hientz

Christopher Hientz calls the Central Coast home. He has a passion for helping businesses and individuals achieve their financial goals and get the best deal at the same time. Since 2003, has worked extensively in many facets of banking such as business banking, asset finance and in credit which has allowed him to gain a solid understanding of most scenarios and the best ways to structure your finance.

Contact Chris on 0435 633 266 or email [email protected]

Learn more...

Looking for a Home Loan?

We make mortgages easier

We offer an easy pathway in obtaining finance for your commercial loan:

  1. We can organize an appointment at your home or office
  2. We work together to obtain the right loan product
  3. We can give you a checklist of information we need for a loan application
  4. We get you to sign a prepared loan application with the preferred lender
  1. Once signed the loan application is submitted directly to our lenders key commercial manager
  2. We keep you informed regularly as your loan is being assessed
  3. Once approved we organize formal loan and mortgage documents to sign
  4. We help you and your conveyancer through to settlement

Our Panel of Lenders

Important Facts

How we get paid

You don't have to pay us for the service we provide. Our income is generated from upfront commission and monthly trail fee's that the lender pays us directly. For more information please visit

We pay Raine & Horne a upfront referral fee upon settlement and this will be disclosed prior to a loan application being submitted.

Our Credentials

We have ASIC Australian Credit Licences 499241 and 502334, and our brokers are Credit Representatives of this licence. We can only provide you with advice on loan products, and you will need to consult your accountant for tax related questions, and your financial planning for investment advice. We are a member of the industry association FBAA, and a member of the Credit Industry Ombudsmen. For more information please visit:

Privacy & Confidentiality

The information that you provide us is strictly confidential and can only be provided to the lender once you have signed a Privacy disclosure statement, which we will supply. This information will not be given to Raine & Horne, or any other partner that we deal with unless authorised in writing by the client. Regular publications on updates and product offerings that we issue, can be unsubscribed at any time. For more information please visit:

Contact us

Call: 1300 141 453 (within Australia) Or: +61 1300 141 453 (outside Australia)