If your bank won't fund your next stage of growth, it isn't the end of the road. Lenders differ in their appetite for particular industries, and some offer cash-flow lending or are keener on sectors others avoid, such as building. An independent valuation can also show your properties are worth more than your current bank assumed, which can unlock more borrowing.

In this video, McKern mortgage broker Mark Jones tells the story of a Sunshine Coast builder who wanted to double his business, but whose bank said it had taken him as far as it would. Working with the client's McKern accountant, Mark sounded out other lenders, found two keen on the building industry, and arranged independent valuations that showed the client's properties were worth considerably more than his bank had assessed, opening up the funding he needed to grow.

General information only, not personal advice.