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A couple of years ago, i needed to buy a new house, and also needed a small cash injection for the business.

went along to the mortgage broker, told him what I needed, and the split for the 2.

He arrannged a mortgage through a big 4 bank, which actually had 2 seperate accounts, so I had the funds for the house and the business, but both come through on seperate statements so there are no issues with accounting for the funds as far as the ATO is concerned.

Both accounts are at normal home loan interest rates, and there was only one application/setup fee.

So I effectively have business finance available at home mortgage rates.