strategic commercial property finance

Commercial Property Finance.

  • Secure Your Business's Future with Commercial Property

    Purchasing a commercial property is a significant strategic move, whether you are securing a permanent home for your business or expanding your investment portfolio. Unlike residential lending, the commercial finance landscape is more complex, and highly dependent on strong lender relationships.

    We can assist in navigating this landscape, leveraging our expertise and industry connections to structure the right finance for your specific goals.

  • Finance for Your Commercial Objectives

    We are able to assist a wide range of clients, from business owners to seasoned investors, in achieving their property and business goals.

    For Owner Occupiers: Tired of dealing with landlords, restrictive lease terms, and increasing rents? Purchasing an owner occupied commercial premises provides stability and allows you to build a valuable asset for your business. We can also explore strategic options like purchasing the property through your SMSF.

    For Investors: Beyond helping business owners secure their own premises, we also assist investors looking to build their portfolios. If your goal is to purchase a commercial, industrial, or retail property as a long term investment, we can look to secure the strategic finance required to support your wealth creation goals.

  • Navigating Commercial Complexity

    While many commercial properties are straightforward, some can present unique challenges that require a more strategic approach. We have the experience to navigate these situations when they arise.

    We also understand that the equity required for commercial loans can be substantial. We can work with you to find solutions, such as leveraging other assets like residential property to provide additional security and meet lender requirements.

  • Our Relationship Driven Approach

    In commercial lending, relationships are paramount. Our process is built on a foundation of thorough analysis and direct lender negotiation, which allows us to present you with tailored, pre-vetted solutions.

    Our process involves:

    A full analysis of your financial position and objectives.

    In depth research into the specific property you are looking to purchase.

    Direct discussions with our network of commercial lenders to negotiate potential terms and parameters on your behalf.

    Presenting you with a clear set of achievable and strategic options.

    Our commitment is to find the best possible outcome for you. We work with a trusted network of other specialist brokers. If we feel you would be better served by a partner with a different specialisation, we will happily refer you to a brokerage that is the perfect fit. Your best interest is always our priority.

Frequently Asked Questions

  • Commercial property loans generally require a larger deposit than residential lending. Most lenders require between 25% and 40% of the purchase price for a stand-alone security property, depending on the property type, location, and the borrower’s financial position. Some lenders will loan over 100% of the property value if additional security is offered, so it’s good to have a lending strategy in place.

  • We assist with finance across a wide range of commercial property types including office buildings, retail premises, industrial and warehouse properties, medical and healthcare facilities, and mixed-use developments. Some property types, such as specialised or single-use properties, may have a more limited lender pool, which is where our lender relationships become particularly important.

  • Yes, and for business owners this can be one of the most tax-effective strategies available. An SMSF can purchase commercial property, including the premises your own business occupies, and lease it back to your business at market rent. This means your business rent payments flow directly into your superannuation fund.

  • Unlike residential lending, which focuses primarily on the borrower’s income and personal financial position, commercial lending places significant weight on the property itself; its location, condition and possible usage. Your business financials, asset position, and industry sector are also assessed. This is why specialist brokers with strong lender relationships are important in this space as lenders’ policies and risk appetites vary considerably.

  • Yes, however there are other options. Where the deposit or equity required for a commercial loan is substantial, leveraging equity in residential property as additional security can help bridge the gap and open up more lender options. It is not required in every case though. We will assess your full asset position as part of our initial consultation to identify which option is a viable path for you.

  • Commercial loan applications typically take longer than residential, often four to eight weeks from application to settlement depending on the lender, the complexity of the deal, and how quickly all required documentation can be provided. We recommend engaging us as early as possible in your purchasing process, before the contract is signed, so finance is not on the critical path.

Let's Discuss Your Commercial Property Goals

Whether your plans are simple or complex, let's create a strategy. Book a complimentary consultation to explore your commercial finance options.

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