Commercial property & business lending
Commercial Finance for Owners Who Want to Grow
Loans for offices, warehouses, retail and mixed-use property, whether you’re buying your own premises or adding commercial assets to a residential portfolio.
By property type
Every Asset Class Is Assessed Differently
OfficeStrata suites through to whole buildings. Lenders focus on lease length and vacancy in the local market.
Typical LVRUp to 65–70%
Typical term3–15 yrs
What lenders focus on
01Weighted lease expiry (WALE)
02Tenant strength and covenant
03Local vacancy rates
Indicative ranges. Lender policy varies by deal.Know the difference
Residential vs Commercial Lending
Who it’s for
Built for Business Owners and Portfolio Investors
✓Business owners buying their own premises
✓Residential investors moving into commercial property
✓Clients buying through a company, trust or SMSF
✓Owners refinancing commercial debt coming up for review
The process
From Deal to Settlement
01
Strategy callThe property, lease and your business, in 15 minutes.02
Deal assessmentFinancials reviewed and the deal pitched to suitable lenders.03
Approval & settlementCredit approval, valuation and settlement managed end to end.04
Annual reviewOngoing review ahead of each facility review date.Most lenders lend 60–70% of the value, sometimes more for strong borrowers and well-leased assets. Equity in residential property can help make up the deposit.