financing

Access a diverse range of commercial property finance options, tailored to your unique goals—with expert guidance every step of the way.

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Expert
Financial
Solutions

At Rethink Financing, we are not your typical broker firm. Our team is made up of former financial planners, accountants, and business banking specialists, bringing a wealth of financial expertise beyond just lending. We offer deep industry knowledge and a comprehensive approach to help you achieve your financial goals.

Tailored Financial
solutions

We take pride in being premium brokers specialising in the commercial space. We provide personalised solutions, carefully tailored to each client’s unique financial situation. With our extensive knowledge and experience, we offer expert guidance and support throughout every step of the journey, ensuring you achieve the best possible outcomes.

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This image shows a close-up of two people shaking hands over a desk, signifying a successful business agreement. Documents labeled "Insurance" and a pen are on the table, along with some cash, a key fob, and a small model car, suggesting that the deal might involve an insurance policy or a financial transaction related to vehicles. The handshake symbolizes trust and the closing of a formal contract or partnership.

Not your average
Broker firm

Gain access to a vast network of lenders through our platform. As a team of award-winning brokers, we stand as industry leaders, offering unparalleled expertise and guidance in navigating your financial journey.

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Awards &
Recognition

We have been countlessly recognised as leaders in our industry - we have our highly experienced team to thank for that.

  • Finalist ABA Commercial Broker of the Year
    2022
  • MPA Top Commercial Brokers
    2022
  • Finalist ORB Award – Head Group (Over 5)
    2022
  • Finalist ORB Award – Commercial Broker
    2022
  • Finalist ORB Award – Residential Broker
    2022
  • Winner ORB Award – Mentee Choice Award
    2022
  • Winner ORB Award – Commercial Broker
    2022
  • ORB Award - Excellence Award Head Group (Over 5)
    2022
  • Elite Broker
    2022
  • Elite Broker
    2023
  • Elite Broker
    2024
  • Elite Broker Outsource Financial
    2022
  • Finalist Better Business Awards – Best Independent Office (more than 5 brokers)
    2022
  • Australian Mortgage Awards – Excellence Awardee
    2023
  • MPA Top Commercial Broker
    2023
  • MPA Top Commercial Broker
    2024
  • MPA Top Brokerage
    2024

We have been countlessly recognised as leaders in our industry - we have our highly experienced team to thank for that.

we come highly recommended

I planted a tree with MPA
MPA Top Brokerage
MPA Top Commercial Broker
MPA Top Commercial Broker
MPA Top Commercial Brokers 2022
Finalist Better Business Awards – Best Independent Office (more than 5 brokers)
Elite Broker
Elite Broker
Elite Broker Outsource Financial
ORB Award - Excellence Award Head Group (Over 5)
Winner ORB Award – Commercial Broker
Winner ORB Award – Mentee Choice Award
Finalist ORB Award – Residential Broker
Finalist ORB Award – Commercial Broker
Finalist ORB Award – Head Group (Over 5)
Australian Mortgage Awards – Excellence Awardee
Finalist ABA Commercial Broker of the Year
01

Empowerment

Excellence is our foundation; we operate with purpose, maintaining the highest standards of quality and professionalism in all endeavours. Our dedication to excellence fuels innovation and ensures our clients receive unparalleled service and results.

02

Authenticity

Authenticity drives our every action at Rethink Group. We invest with honesty, transparency, and integrity, offering genuine and reliable guidance at every turn.

03

Excellence

Excellence is our foundation; we operate with purpose, maintaining the highest standards of quality and professionalism in all endeavours. Our dedication to excellence fuels innovation and ensures our clients receive unparalleled service and results.

04

Disruption

We see disruption as an opportunity for innovation and progress. We’re committed to pioneering your future by challenging norms, exploring new horizons, and pushing boundaries. Our dedication to disruption drives us to seek groundbreaking solutions and transformative opportunities, empowering our clients to excel in a constantly evolving world.

Complete List of awards

  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
Our story

OUR STORY

Led by Son Pham, a seasoned financial planner and mortgage broker, Rethink Financing was founded in partnership with Scott O’Neill of Rethink Investing. United by a shared commitment to ethical practices and a client-first philosophy, Son and Scott built a company that prioritises transparency and exceptional client satisfaction.

As Rethink Investing expanded into commercial property, Son took the helm of Rethink Financing, guiding its growth and overseeing a substantial client base drawn to the trust and expertise of the Rethink Group.

Under Son Pham’s leadership, Rethink Financing has become a trusted name in the industry, known for innovative solutions and strategic financial guidance. Son's extensive experience and ability to navigate complex loan requests, especially in commercial property financing, have positioned him as a leading figure in the field. His vision has driven impressive growth, doubling Rethink Financing’s settled commercial loans within a year.

By fostering a culture of forward-thinking and resilience, Son continues to lead Rethink Financing with a singular focus: exceeding client expectations and delivering tailored financial strategies that drive success.

What our clients say

We are always securing new properties to add to your portfolio. View our latest Australian acquisitions below.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.


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A modern glass office building at sunset, with light trails from traffic on the surrounding streets, reflecting the vibrant energy of the city.

Why choose us?

Unlike traditional brokers who solely focus on saving you money, our priority lies in making you money. As expert industry leaders, we take pride in offering unparalleled experience and knowledge to our clients. Our approach transcends the present, this is an undeniable rule. We are committed to constantly assessing the future implications of our strategies and decisions. By aligning our efforts with your long-term financial goals, we strive to generate sustainable wealth and incomparable prosperity.

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Premium brokers

As Australia’s leading financing experts, Rethink Financing brokers have exclusive access to resources, credit and banks. The benefit for you is over 30 lenders to choose from and access to thousands of loans. Operating in a rare space denied to many other brokers means superior outcomes for you, our clients.

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Superior expertise

With over 23 years of combined experience, our prowess to think outside the box is what sets us apart as specialists in Australian commercial property financing. While other brokers just consider major banks, Rethink Financing works with major banks, tier 2 banks, non-banks, non-conformers and private lenders.

Financial planning
background

We come from a financial planning background so we understand more about tax, structures and the overall environment than the average broker. Our Rethink Financing experts utilise different structures and strategies to tailor each loan and understand the importance of credit policy in finding that perfect deals.

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Learn more about your finance options today.

Insert your details to book your complimentary introductory call with one of our Finance team.
​or call us on 1300 965 551
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