Investing in commercial property can deliver strong rental yields, long-term capital growth, and diversification for your portfolio, but the right finance structure is essential for maximising returns.
Commercial property investment finance works differently from standard residential loans. Lenders assess factors like lease terms, tenant quality, property type, and location, and they may require a larger deposit (often 20–30%). Interest rates, loan terms, and repayment structures can also vary depending on your strategy.
You can also purchase commercial property through a Self-Managed Super Fund (SMSF). This strategy can offer tax advantages and help grow your super balance over the long term, but it comes with strict rules and lending criteria. We can guide you through the SMSF lending process.
No matter where you are up to in your commercial property search, you can talk to us. We compare options from 60+ lenders, looking at rates, flexibility, and features that suit your investment goals. Whether you’re purchasing an office space, retail shop, industrial property, or mixed-use site, we’ll guide you from pre-approval to settlement and beyond.
Owning your business premises gives you control, security, and potential capital gains. Loans for owner‑occupied property are designed to be repaid using your business cash flow while the property becomes a long-term asset for the business or fund. As you build equity, you can unlock funds for future business needs or expansion.
We assess your business structure, earnings, and location to find flexible commercial lending options. Some lenders may provide higher LVRs or longer terms, depending on the property type and industry.
When helping you secure financing for commercial property, we review key factors including:
Loan‑to‑Value Ratios (typically 65‑75% for commercial property, sometimes higher for owner‑occupied)
Debt service coverage, often requiring EBITDA to exceed interest costs by a set multiple
Loan types such as fixed, variable, or split interest rates; interest‑only periods; balloon repayment options
Structure options including first mortgage, mezzanine or secondary financing
Upfront costs like application fees and valuation reports
Features such as offset accounts or extra repayment options where available
With this knowledge, we find the right lender and structure to match your goals and financial circumstances.
Our commercial finance team has access to over 60 lenders and specialises in sourcing tailored commercial property loans. We understand the differences between owner‑occupied, SMSF-based, and investor loans, and work with your advisors to structure a solution that is compliant and tax-effective.
What we offer:
A tailored loan strategy to match your business or SMSF structure
Competitive rates and flexible terms across a variety of lenders
Expert assistance with compliance, lender requirements and submission
End-to-end support from application to settlement