{"id":9013,"date":"2025-11-11T17:03:28","date_gmt":"2025-11-11T06:03:28","guid":{"rendered":"https:\/\/webinrealtime.com\/ecomtemp\/?page_id=9013"},"modified":"2025-11-13T16:39:49","modified_gmt":"2025-11-13T05:39:49","slug":"credit-conditions-ease-across-the-commercial-property-development-finance-market","status":"publish","type":"page","link":"https:\/\/webinrealtime.com\/ecomtemp\/credit-conditions-ease-across-the-commercial-property-development-finance-market\/","title":{"rendered":"Credit Conditions Ease Across the Commercial Property &#038; Development Finance Market"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9013\" class=\"elementor elementor-9013\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9070681 e-flex e-con-boxed e-con e-parent\" data-id=\"9070681\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div 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class=\"elementor-element elementor-element-19cdf6f e-flex e-con-boxed e-con e-parent\" data-id=\"19cdf6f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6c70d0 e-flex e-con-boxed e-con e-child\" data-id=\"c6c70d0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04e9e91 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"04e9e91\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit Conditions Ease Across the Commercial Property &amp; Development Finance Market<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6eeaa3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e6eeaa3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By <a href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/james-kelder\/\">James Kelder<\/a><br \/><strong>Commercial Property &amp; Development Finance Specialist<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a132dd5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a132dd5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Late last month I caught up with the team from McGees Agency Capital Transactions \u2013 Hugh Menck and Archie Halliday \u2013 to provide my insights on current commercial lending conditions and market movements.<\/p><p>With the Reserve Bank holding the cash rate steady at 3.60% since August 2025, both banks and private lenders are recalibrating their risk appetite. From my perspective, this shift is creating a more competitive, opportunity-rich environment for borrowers heading into 2026. Below is a summary of my shared insights on how lender behaviour is evolving, and what that could mean for your next commercial funding decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6e701 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cf6e701\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: How has the appetite of the top-tier lenders changed over the past 6-months? And how is that reflected in their lending policy?<\/strong><\/p><p><strong>A:<\/strong> Increased competition from private lenders has influenced the major banks\u2019 risk appetite and lending approach. Lenders are showing greater flexibility toward development funding, with reduced pre-sale and pre-leasing requirements and a willingness to support higher LVRs where project fundamentals are strong. Major banks are also sharpening pricing to remain competitive with private capital. In short, borrowers are benefiting from increased availability of funds, lower costs of capital, and more flexible terms.<\/p><ul><li><strong>LVR:<\/strong> There is noticeably more flexibility with 65% + LVRs being considered where it commercially makes sense (including specialised assets).<\/li><li><strong>ICR:<\/strong> Lenders are showing greater flexibility on certain asset classes, and reduced funding costs have made it easier for borrowers to meet ICR metrics.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f81c384 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f81c384\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: Are any areas of the market or asset classes proving particularly difficult to obtain funding for?<\/strong><\/p><p><strong>A:<\/strong> Certain specialised asset classes are proving more challenging to finance. Assets such as NDIS accommodation, multi-room residential properties, and regional service stations are subject to increased scrutiny from lenders, with a stronger focus on assessing their alternative use value and long-term viability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0abd24 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a0abd24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: Private Credit lenders, where are you seeing rates and risk appetite?<\/strong><\/p><p><strong>A:<\/strong> The private credit sector remains <strong>a major force<\/strong> <strong>in the commercial lending landscape<\/strong>, accounting for a growing share of commercial property, site acquisition &amp; development finance.<\/p><ul><li><strong>Pricing:<\/strong> Rates have compressed over the past six months, reflecting both lower benchmark costs and an influx of new capital. Well-structured investment deals are now commonly pricing in the <strong>8\u201310% p.a. range<\/strong>, with development exposures typically <strong>10\u201312% p.a.<\/strong>, depending on risk.<\/li><li><strong>Market dynamics:<\/strong> The abundance of liquidity has intensified competition across the sector. As a result, more lenders are now willing to <strong>fund the full capital stack<\/strong>, providing<strong> integrated solutions<\/strong> that combine <strong>senior debt, mezzanine finance, and even equity participation<\/strong> within a single transaction structure.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55cef35 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"55cef35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: Private Credit regulation, what changes do you foresee?<\/strong><\/p><p><strong>A:<\/strong> A<strong> tightening of regulation<\/strong> and moves to make private credit markets <strong>more transparent<\/strong> are expected over time. This will likely encourage<strong> greater borrower adoption<\/strong> of private credit as a mainstream funding source, while driving a <strong>flight to quality<\/strong> toward established operators with a proven track record, disciplined risk analysis, and strong governance frameworks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a9c76 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f4a9c76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: What are lenders saying about construction costs?<\/strong><\/p><p><strong>A:<\/strong> Heightened scrutiny of builders, driven by broader industry concerns, <strong>remains prevalent<\/strong>. However, there is a <strong>growing appetite among lenders to reduce contingency allowances<\/strong> for variations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-098ccba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"098ccba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Q: Are you recommending your clients fix their rates?<\/strong><\/p><p><strong>A:<\/strong> With<strong> limited further rate reductions forecast<\/strong>, most borrowers are maintaining<strong> floating-rate facilities<\/strong> for flexibility. However, throughout the past 12 months, periods of <strong>heightened global uncertainty<\/strong> have created opportunities for investors to <strong>lock in substantial discounts, often 50 bps or more, relative to floating rates.<\/strong> Timing and market conditions remain key drivers in determining whether a fixed-rate strategy is advantageous.<\/p><p>As always, the key is timing and strategy. With credit conditions loosening and lenders sharpening their pencils, there\u2019s real opportunity for well-prepared borrowers \u2014 particularly those with strong fundamentals and clear project outcomes. Whether you\u2019re looking to refinance, fund a new acquisition, or explore private credit options, now is the time to reassess your lending position and plan ahead for 2026. If you\u2019d like to discuss how these trends may impact your next move, feel free to reach out, I\u2019m always happy to share insights and explore the best-fit finance strategy for your goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd6d734 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fd6d734\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Note:<\/strong> Shared with permission from original Linked-In post by Hugh Menck McGees Head of Capital Transactions \u2013 \u2018Finance: Credit Conditions ease as Risk Appetite Recalibrates Across Lending\u2019 published 16.10.25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-258d6cd elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"258d6cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Published:<\/strong> 4.11.25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad86a1 elementor-mobile-align-justify elementor-align-left elementor-widget elementor-widget-button\" data-id=\"7ad86a1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">REQUEST A CALL BALL<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffb6ca1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ffb6ca1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>THE FINEPRINT: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. 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elementor-element-0b4fc05 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0b4fc05\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"mailto:hello@greenfinancegroup.com.au\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 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0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c19374 e-con-full e-flex e-con e-child\" data-id=\"5c19374\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d15e86f elementor-widget elementor-widget-image\" data-id=\"d15e86f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"966\" height=\"405\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial_Property_Lending_Update_James_Kelder_Image_Nov25_966px.jpeg\" class=\"attachment-large size-large wp-image-8996\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial_Property_Lending_Update_James_Kelder_Image_Nov25_966px.jpeg 966w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial_Property_Lending_Update_James_Kelder_Image_Nov25_966px-300x126.jpeg 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial_Property_Lending_Update_James_Kelder_Image_Nov25_966px-768x322.jpeg 768w\" sizes=\"(max-width: 966px) 100vw, 966px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca8e203 e-flex e-con-boxed e-con e-parent\" data-id=\"ca8e203\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ae91a2 e-con-full e-flex e-con e-child\" data-id=\"5ae91a2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be63cc5 elementor-widget elementor-widget-heading\" data-id=\"be63cc5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LATEST Credit Conditions Ease Across the Commercial Property &amp; Development Finance Market ARTICLE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b02059 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2b02059\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/green-finance-group-wins-record-25-finance-awards-in-6-months\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">READ FULL STORY AND MORE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a288826 e-con-full e-flex e-con e-child\" data-id=\"a288826\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c909b48 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c909b48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\"Green Finance Group wins record 25 finance awards in 6 months\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1d840 elementor-widget elementor-widget-image\" data-id=\"6a1d840\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"386\" height=\"28\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png\" class=\"attachment-large size-large wp-image-7281\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png 386w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1-300x22.png 300w\" sizes=\"(max-width: 386px) 100vw, 386px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7af6e5b elementor-widget elementor-widget-image\" data-id=\"7af6e5b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg\" class=\"attachment-large size-large wp-image-9041\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg 600w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-300x300.jpg 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-770c2ef e-flex e-con-boxed e-con e-parent\" data-id=\"770c2ef\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-eb3ea79 e-con-full e-flex e-con e-child\" data-id=\"eb3ea79\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-120d32d elementor-widget elementor-widget-heading\" data-id=\"120d32d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet the Author<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64df4dd e-con-full e-flex e-con e-child\" data-id=\"64df4dd\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a7c2a82 e-con-full e-flex e-con e-child\" data-id=\"a7c2a82\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d76f322 elementor-widget elementor-widget-image\" data-id=\"d76f322\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"314\" height=\"354\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-1.png\" class=\"attachment-large size-large wp-image-8417\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-1.png 314w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-1-266x300.png 266w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d04941 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7d04941\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u201cOver my decade long career in finance I have developed an in depth understanding of the debt landscape from banks to private credit funds.\u201d<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-427aa7d e-con-full e-flex e-con e-child\" data-id=\"427aa7d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-00e4095 e-con-full e-flex e-con e-child\" data-id=\"00e4095\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8377e elementor-widget elementor-widget-icon-box\" data-id=\"6d8377e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJames Kelder\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c9c040 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c9c040\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BCom \u2013 Finance (UQ)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a185bd4 elementor-widget elementor-widget-icon-box\" data-id=\"a185bd4\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFinance Consultant<br>\nCommercial Property &amp; Investment Specialist\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-baf74c9 e-con-full e-flex e-con e-child\" data-id=\"baf74c9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4325e69 e-con-full e-flex e-con e-child\" data-id=\"4325e69\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b62e299 e-con-full e-flex e-con e-child\" data-id=\"b62e299\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-834cb7d elementor-widget elementor-widget-image\" data-id=\"834cb7d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"35\" height=\"39\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/news_icon_1-1-1.png\" class=\"attachment-large size-large wp-image-7903\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b2a8d7 e-con-full e-flex e-con e-child\" data-id=\"8b2a8d7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3403f27 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3403f27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Commercial Finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5b7cc e-con-full e-flex e-con e-child\" data-id=\"dc5b7cc\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-938a2cf e-con-full e-flex e-con e-child\" data-id=\"938a2cf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cc472 elementor-widget elementor-widget-image\" data-id=\"d9cc472\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"31\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/news_icon_2-1-1.png\" class=\"attachment-large size-large wp-image-7853\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c776d31 e-con-full e-flex e-con e-child\" data-id=\"c776d31\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59d53a8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"59d53a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Equipment Finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c96c94 e-con-full e-flex e-con e-child\" data-id=\"3c96c94\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ec9dcf1 e-con-full e-flex e-con e-child\" data-id=\"ec9dcf1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd1c6c3 elementor-widget elementor-widget-image\" data-id=\"cd1c6c3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"35\" height=\"35\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/news_icon_3-1-1.png\" class=\"attachment-large size-large wp-image-7852\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ceac4f e-con-full e-flex e-con e-child\" data-id=\"5ceac4f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e79246e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e79246e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Home Finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eb1e24 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9eb1e24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fortitude Valley, Brisbane<\/p><p>One of Australia&#8217;s most in-demand commercial finance brokers and awardee of Best Finance Broker 2024 (Better Business Awards), James specialises in commercial property investment and development finance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe513b0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fe513b0\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:0432393608\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">0432 393 608<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Email Me<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/au.linkedin.com\/in\/james-kelder\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">LinkedIn<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6457d20 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6457d20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prior to joining the Green Team, I occupied management roles at Australia&#8217;s largest commercial bank \u2013 National Australia Bank (NAB). I have broad experience in business, corporate, equipment and property debt and thrive on complex transactions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5a97f2 elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a5a97f2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/james-kelder\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW FULL PROFILE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c33dca1 e-flex e-con-boxed e-con e-parent\" data-id=\"c33dca1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c5d6355 e-con-full e-flex e-con e-child\" data-id=\"c5d6355\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1884fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f1884fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact James today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d22f87 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"0d22f87\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon- elementor-repeater-item-e34259f\" href=\"tel:0432393608\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\"><\/span>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-repeater-item-bc68453\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/james-kelder\/#askme\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Envelope<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-c2a5298\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/risk-appetite-returns-credit-conditions-ease-across-the-commercial-property-market\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Commercial Finance Equipment Finance Home Finance Wealth &amp; Insurance Credit Conditions Ease Across the Commercial Property &amp; Development Finance Market By James KelderCommercial Property &amp; Development Finance Specialist Late last month I caught up with the team from McGees Agency Capital Transactions \u2013 Hugh Menck and Archie Halliday \u2013 to provide my insights on current [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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