Commercial Finance
Whether you are purchasing premises for your own business or investing in commercial real estate, we help you access finance structured around your goals and the property type.
What We Finance
We work with lenders experienced across a wide range of commercial property categories. Different lenders have different appetites, which is why having a broker in your corner matters.
Strata offices, standalone commercial buildings and professional suites across metro and regional locations.
Sheds, factories, warehouses and logistics properties. Strong lender interest in owner-occupier industrial purchases, particularly in growth corridors.
Strip retail, shopping centre tenancies and mixed residential-commercial buildings. Assessment varies significantly by tenancy profile and location.
Purpose-built medical facilities, dental practices and allied health suites. Some specialist lenders offer favourable terms for the healthcare sector.
Loan Purpose
The purpose of the purchase influences which lenders and structures are available. We can walk you through what applies to your situation.
You are buying premises your business will operate from. This is often viewed more favourably by lenders because the business has a direct interest in maintaining the property. Loan-to-value ratios can be stronger than for investment purchases in some cases. Suitable for businesses looking to stop paying rent and build equity in their own premises.
You are purchasing to lease to a third-party tenant. Lenders assess the lease terms, tenant quality, vacancy risk and property fundamentals. Loan-to-value ratios for commercial investment property are typically lower than residential investment lending. We help you understand what lenders will and will not accept before you commit to a property.
Finance Structures
A standard commercial mortgage with a defined loan term and regular repayments of principal and interest, or interest-only for an agreed period. The most common structure for purchase transactions.
Some lenders allow an initial interest-only period, which can assist cashflow in the early years of ownership. This typically converts to principal and interest repayments after the agreed period. Subject to lender approval and your financial position.
If you hold an existing commercial loan, refinancing may allow you to access better terms, release equity for other purposes or consolidate facilities. We assess whether refinancing makes sense before recommending it.
The Assessment Process
Commercial property lending involves a more detailed assessment than residential. Understanding this upfront helps you prepare and sets realistic expectations.
Location, property type, size, condition and tenancy profile all influence lender appetite and the loan-to-value ratio available. Some lenders restrict certain property types or geographic areas.
Business financials, trading history, personal financial position and existing debt obligations are all assessed. Lenders want to understand your capacity to service the loan, not just the value of the security.
For investment properties, the quality and term of the lease is a key factor. A long-term lease with a strong tenant is viewed more favourably than a short lease or a vacant property.
Commercial property LVRs are generally between 60 and 75 percent, meaning you need a meaningful deposit or existing equity. We help you understand what LVR you are likely to be assessed at before you search for property.
Our Process
We start by understanding what you are trying to achieve, the type of property you are looking at and your current financial position. This shapes everything that follows.
We identify lenders on our panel with appetite for your property type and borrower profile, and present you with a clear view of what is achievable before you make an offer.
Commercial applications involve more documentation and due diligence than residential deals. We manage the process, liaise with lenders and keep you informed through to settlement.
Common Questions
Get in touch early. The earlier we are involved, the better we can structure your application and manage expectations around timing and lender appetite.
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