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Commercial Property

Warehouses, shops, offices and mixed use. Commercial lending has its own rules, and we know where the flexibility sits.

Commercial property finance is a different animal. Deposits are larger, terms are shorter, and the lender cares as much about the lease and the tenant as about you. A vacant property and a leased one are priced as if they were different asset classes.

We work out early whether the deal stacks up on the numbers a commercial lender will use, then take it to the ones whose appetite matches the asset. That saves you the months that get lost applying to a bank that was never going to fund it.

Estimate your repayments

$650,000
6.10% p.a.
30 years

Your estimated repayment

$3,939/month

Total interest

$768,028

Total amount

$1,418,028

Estimate only, based on a principal and interest loan with the rate held constant for the full term. It excludes fees, lenders mortgage insurance and rate changes, and it is not an offer of credit.

What we look at

Lease quality drives the dealTerm remaining, tenant strength and rent review structure shape both the approval and the rate.
Owner occupied is treated differentlyBuying your own premises often unlocks better terms than an investment purchase of the same building.
Deposit and loan to value realityCommercial lending is usually a larger contribution than residential. We tell you the real number early.
Specialised security typesChildcare, hospitality, medical suites and service stations all have specialist lenders. Generalists decline them.

Our Lending Partners

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