Commercial Loans
Finance for Business Premises and Commercial Property
Whether purchasing your own business premises or investing in commercial property, we connect you with the right lender and structure for your deal.
What We Offer
Commercial Lending Made Straightforward
Owner-Occupied Premises
Buy the property your business operates from and stop paying rent to a landlord.
Commercial Investment
Retail, industrial, office - we finance commercial investment properties across all asset classes.
Development Finance
Funding for small-scale commercial developments, fit-outs and construction projects.
Refinance and Equity Release
Unlock equity in existing commercial property to fund growth or acquisitions.
SMSF Commercial
Buying commercial property through your SMSF? We handle the specialist lending requirements.
Mixed-Use and Specialist
Hotels, childcare, medical centres - we work with specialist lenders for non-standard deals.
Who We Help
We Work With All Types of Commercial Borrowers
Commercial lending is complex. We simplify it by matching you with the right lender from the start.
Business Owners
Buy your own premises, reduce occupancy costs and build long-term business equity.
Property Investors
Diversify your portfolio with commercial assets offering higher yields than residential.
Self-Employed Applicants
We know which lenders assess self-employed income favourably for commercial deals.
SMSFs
Commercial property held in super has significant tax advantages - we structure these loans correctly.
Developers and Builders
We assist with commercial construction finance for owner-builders and developers.
The Process
How We Arrange Your Commercial Loan
Deal Assessment
We review the property type, your financials and intended use to map out a lending strategy.
Lender Matching
Commercial lending is specialised - we identify lenders with appetite for your specific deal.
Application and Negotiation
We prepare the application, handle lender queries and negotiate terms on your behalf.
Settlement
We manage the process through to settlement, coordinating with solicitors and valuers.
Real Result
“I had been renting my retail space for eight years. Kevin found a commercial loan that let me buy the property for less than my rent was costing. Smoother than I expected.”
— James K., Business Owner - Parramatta
6.45% p.a.
Rate Secured
$1,240
Monthly Saving vs Rent
Customer Reviews
What Our Customers Say
FAQ
Common Questions
Most lenders will lend up to 65-70% LVR for commercial property. Some will go higher for strong deals or specific property types. Owner-occupied premises can sometimes achieve up to 80% with the right lender.
Typically: 2 years of tax returns and financials, recent BAS statements, a copy of the contract, lease documents if investment, and details of your existing assets and liabilities. Self-employed applicants may also need an accountant declaration.
Yes, generally. Commercial loans carry higher rates due to the perceived risk and nature of the security. However, we negotiate hard on your behalf and have access to lenders with competitive commercial pricing.
Commercial fixed rates are typically available for 1-5 years. After the fixed period, the loan reverts to a variable rate. We will advise on what makes sense for your situation.
Yes. An SMSF can purchase commercial property, including the premises your own business operates from, using a Limited Recourse Borrowing Arrangement (LRBA). This has significant tax advantages and is a strategy we specialise in.
Typically 3-6 weeks, though complex deals can take longer. Commercial valuations and credit assessments are more involved than residential. We set realistic expectations from the start.
Ready to Proceed?
Assess Your Commercial Deal
Book a free consultation and we will give you an honest assessment of what is achievable for your commercial property finance needs.
Free service. No obligation. Licensed mortgage broker.