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Advice for

High Net Worth Individuals

PLAN A Mortgage

The Best Finance & Mortgage Strategies and Solutions Provider for You


We Provide Expert Advice & Quality Service

Commercial Property Mortgage

Investing wisely in commercial property can provide reliable, tax-friendly returns and capital growth. Whether you need a commercial property loan to purchase a new office, shop, or invest as a landlord, we are here to help you go after what you desire.

Asset Financing

Hoping of commencing or expanding your business, or maybe need a shiny new pair of wheels to drive around – if you need it, we’ll help you get it with asset financing services.

Business Finance
and Loan

Ensure your future with the right advice on a business loan. We assist business with cash-flow management, business purchase, expansion and more! The key to success and conquering risk is getting a suitable business loan and having expert guidance throughout your journey.

We DON'T work for the Bank.

What Our Client Say About Us

Marcus helped me last 5years for all the complexity of home loans and SMSF loans. He is very friendly but high end professional ?? Strongly recommend!!
Leisa Mulheron
Leisa Mulheron
I am a first time home buyer and Marcus took the time to explain the process and recommended different options to me. Very happy with his service and took a lot of stress away so I could focus on finding a house.
yunsook park
yunsook park
My friend recommended Marcus for my business loan and it was such an easy process. He is always available, very responsive to all my question and get the job done. Thank you! Will be recommending Marcus to all my friends!
KS Kang
KS Kang
Marcus definitely knows his business! His communication is excellent and he is there with you from day 1. I had a complicated situation and Marcus took his time to understand and provided the workable option. Thank you again for all your effort and late calls with me. Cheers
Henry Telford
Henry Telford
Marcus has been instrumental in helping us secure a complex home loan. The process was not easy with many hurdles that we needed to overcome. However, throughout the entire process Marcus continuously demonstrated his professionalism, commitment and passion to get the deal done for us. We couldn't have done it without you and are very thankful to have you there when we needed it most. We can't recommend Marcus enough. Thanks again.
Yaz Huseinspahic
Yaz Huseinspahic
Marcus was extremely professional from start to finish. He was there to provide advice and guidence even at late hours of the night when we needed it most. He has extensive commercial loan knowledge and well rounded expertise across all major banks. We couldn't be happier with his service. Will be recommending Marcus and Plan A Mortgage to friends and family. Thanks again.
Huy Hoang
Huy Hoang
Marcus has been an absolute pleasure to deal with when sorting out my car finances. He was responsive and friendly when answering to my queries. I was able to get a great deal for the loan and was done in a timely manner. Would highly recommend. Thanks Marcus!
Daniel Law
Daniel Law
Marcus was exceptional in understanding our needs and providing a solution to suit our circumstances. He was extremely patient with us throughout the entire process, always going above and beyond to ensure that we were frequently updated with news from the banks and was entirely accomodating to our special requests. We can not thank him enough for his dedication to helping us secure a loan and being at the centre of helping us land our next property. Over the years, we have recommended many friend and family to Marcus and Plan A Mortgage, all who have also had extremely positive experiences. Thank you sincerely, Marcus. We look forward to reaching out again soon for our next property!
Firmino Azevedo
Firmino Azevedo
I was referred to Marcus from Plan A several years ago and have never gone elsewhere. I have bought two houses and have had the best experience. He made it seem so easy and his professionalism and wealth of knowledge of all the Banks products was certainly noticeable. He explained the benefits of each and allowed me to make the choice with ease. I have recommended Plan A to everyone I know and will continue to do so. Thank you for everything and I will certainly be contacting you in the near future to see if I'm able to invest once again.

Marcus Noh

Managing Director
Senior Mortgage Broker

Sick of big finance companies making you feel like a passing dollar sign? That’s why we chose to build the kind of mortgage & finance company that you would like to work with…

Founded in 2014 and based in North Strathfield, PLAN A Mortgage & Finance provides business financing and commercial loan services throughout Sydney. Headed by Marcus Noh, a Senior commercial mortgage broker in Sydney, the company aims to be your long term finance partner. His business expertise combined with exceptional marke understanding has led the company to set a new benchmark in Sydney’s Mortgage & Finance industry on a growth track.

We served at renowned banks for 10+ years in roles such as: lending manager, credit assessor, and business/private banker. Being a preeminent commercial loan agency in Sydney, you can rely on our expertise to whatever needs you have.

Since our inception, we have provided commercial mortgaging & financing uniquely, helping people from all walks of life achieve their goals while staying abreast of the commercial mortgage & finance industry trends.


Commercial Mortgage Broker FAQs

Commercial mortgages are outside the scope of the National Consumer Credit Protection Act of 2001 (NCCP Act). Unlike home loans which we use to purchase residential properties, lenders have more flexibility with their policies in commercial mortgages.

The key is to figure out what the lender or bank is looking for in an application, then working your way to seal a fair deal.

Applying to a bank directly without a commercial mortgage broker is a disadvantage:

  • If you don’t know what other banks/competitors offer, then your bank might charge you as much as they want.
  • If you are stuck in a difficult financial/corporate situation. The bank can use your problem to charge you more
  • If you’re a long-standing client, the bank will think you’re less likely to seek elsewhere, leading them to increase their fees/charges.

To avoid the disadvantages and save cost and time, PLAN A Mortgage is here to help you. Call our professional staff at 1300 052 055 to know why we’re the best team in commercial mortgages.

Getting hold of commercial real estate for a long-term investment or acquiring a business premise takes considerable time and planning and that’s excluding an effort to obtain finance.

Moreover, most commercial mortgage and lending policies are more complicated than residential lending. That’s why partnering with a commercial mortgage broker will save your business time and unnecessary expenses, helping you focus your resources on more crucial matters.

Our team will first discuss with you to thoroughly understand what you want to achieve with your commercial mortgage in line with your shot and long term goal. We’ll first identify which commercial property you want to invest in, whether it’s a retail shopfront, warehouse, office building, or factory.

If you are a PAYG employee, you’ll first need to provide your recent payslip, including a group certificate.

You’ll need to provide your personal financials, business activity statements, and tax returns for the last 2-3 business years if self-employed.

Otherwise, we’ll use low-documentation solutions for faster and more convenient service.

After that, we will then proceed to look for the ideal lender to have your loan approved in no time.

What makes PLAN A Mortgage stand out from the competition is our extensive experience with various lenders and our capability to arrange a competitive interest rate and loan term.

Next, our team will obtain Indicative Funding Proposal (IFP) from possible lenders and narrow it down to 2-3 lenders. After discussing with you to choose the most suitable lender, you can search for a suitable property.  Once located we will arrange for a valuation and finally submit your commercial mortgage application for formal approval.  

We’ll also streamline our application process by working with your accountant or solicitor and communicating with your buyer’s agent. All of these will be done within your best financial interests.

Our commercial broker ensure long-term commitment

Investing in commercial mortgage not only requires a broker but one that’s in for the long haul and witness your business’ growth. That’s because reliable brokers at PLAN A Mortgage play a vital role in your brand’s growth alongside your solicitor, accountant, and commercial buyer agent.

Let us deal with keeping your loan competitive while you grab more opportunities and take the time to think about your growth.

We have your best interests in mind

PLAN A Mortgage works with you closely so we can understand your goals in purchasing commercial real estate. Regardless of you’re looking into a positive rental return or a strong capital gain, we can assist. We also partner with clients looking to purchase premises for their business.

We aren’t backed by lenders and banks

A lot of large-scale commercial mortgage brokers promise 100% approval for sketchy interest rates and lending policies. That’s because many of them work for banks, but we don’t.

Our brokers at PLAN A Mortgage compare different possible lending options between several leading banks and major lending companies in Australia.

Besides, some non-banks provide more competitive rates and have more lenient policies on commercial properties than leading banks for certain cases. That expands our choices for diverse product choices.

PLAN A Mortgage are experts in credit

By partnering with us, you’ll have the opportunity to finance commercial properties such as bed and breakfast (B&Bs) and farms with low residential rates!

That means you don’t have to pay expensive commercial rates which have shorter loan terms. As long as we know the ideal lender for your loan, we’ll do our best to seal the deal.

We streamline the application process

Our team will work with you closely with open communication to make sure we assist you from application to approval. That way, you’ll have more time to focus on your business and other investment opportunities.

Typically, lenders would require you to pay a premium interest rate for commercial property. We will negotiate with lenders for an optimal LVR and interest rate.


PLAN A Mortgage won’t charge any brokerage fees for clients who want to finance above $300,000 and keep the mortgage for more than two years.

With 18+ years in High Net Worth banking, we provide excellent service for complex commercial mortgages and bespoke solutions at a competitive price. Our service costs will be calculated at the discretion of our brokers and your situation.

PLAN A Mortgage is here to help grow your business and your wealth. Speak with our specialist at 1300 052 055 or fill out our contact form today!