Home & property loans
Commercial property loans
Buying your own premises or investing in commercial property. We structure the loan around the property and your business.
Property types
Offices, shops and retail, warehouses and industrial units, medical and professional suites, and mixed-use buildings, whether you’re an owner-occupier or an investor.
What lenders look at
- The property itself: type, location, lease terms and tenant strength.
- Your business financials if you’ll occupy the property.
- Your deposit or equity, as commercial loans usually need more than residential.
- The borrowing entity, such as a company, trust or SMSF.
Each lender treats these differently, so matching your deal to the right lender is where a broker adds the most value.
Owner-occupier or investor?
If you’re buying premises for your own business, lenders will focus on your business’s trading history and ability to repay. If you’re investing, they’ll focus on the lease, the tenant and the rental income. Some owners buy through a separate entity and lease the property back to their business. We’ll help you work out which lenders suit each approach.
How the process works
- 1. Scenario: we review the property, your finances and the structure you’re buying in.
- 2. Lender options: we approach the lenders that suit your deal, from banks to specialist and private lenders.
- 3. Valuation and approval: the lender values the property and issues approval.
- 4. Settlement: we coordinate with your solicitor through to settlement.
Buying equipment or vehicles for the business too? See equipment finance and business loans. Need a short-term solution? See private funding.
Ready to talk?
Answer a few quick questions and a broker will come back to you within one business day.
Related services
FAQ
Common questions
How much deposit do I need for a commercial property?
Commercial loans usually need a larger deposit than home loans, commonly 30% or more of the purchase price, though this depends on the property, the lender and your financial position.
Can I buy commercial property with a low-doc loan?
Some lenders offer low-doc commercial loans for self-employed borrowers, using BAS or an accountant’s declaration instead of full financials. The deposit required is usually higher.
Can I buy commercial property in my SMSF?
Yes, a self-managed super fund can borrow to buy commercial property under specific rules. It’s a complex area, so you’ll need advice from your accountant or financial adviser as well as the right lender.
How long are commercial property loan terms?
Terms vary by lender and are often shorter than home loans, commonly between 3 and 30 years, sometimes with periodic reviews. We’ll explain the terms of each option.
Looking at a commercial property?
Send us the details and we’ll come back to you within one business day.
