Commercial Property
What we do
Commercial lending has its own rulebook. We know it well.
We work with business owners buying their own premises and investors treating commercial as an asset class. The rules are different to residential: shorter terms, tighter LVRs, risk priced against the lease and tenant as much as the property. We know which lenders are active in this space, how they assess deals, and how to structure the lending so what you sign today still works five years from now.
Structure the lending around your business
We structure owner-occupier commercial lending around the business, not just the property. Lenders assess both your business’s financial position and the asset itself, so the entity structure and setup matter as much as the deal. We work through the structure, the serviceability, and the right lender before anything is submitted.
Match the investment to the right lender
We match each commercial investment to the lender whose appetite fits the asset. Industrial, retail, mixed-use — each carries its own risk profile and not all lenders are active across all types. We look at the asset, the lease, the tenant, and the numbers before we approach anyone.
Work through the deposit and loan terms
We work through what the deposit and loan terms actually mean for your position. Commercial lenders typically lend at 60-65% LVR and on shorter terms — often 10-15 years rather than 30. We map out the deposit required, the repayment structure, and what it means for cashflow before you commit.
Factor in the lease and tenant risk
We factor the lease and tenant into how we approach the deal. Lenders price risk against lease length, tenant covenant and vacancy risk, and can tie the loan term to the remaining lease. We structure the application around the lease profile and match it to the right lender.
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Commercial Property
Frequently asked questions
How is commercial finance different from a residential mortgage?
The rules are rewritten. Shorter loan terms, tighter LVRs, higher rates, and risk assessed against the lease and tenant as much as the property itself. The lender pool is also smaller — not every bank does commercial lending, and those that do have different appetites depending on the asset type.
How much deposit do I need?
Typically 35-40% for a commercial investment, compared to 20% for residential. Owner-occupiers buying their own business premises may have more flexibility depending on the business’s financial position. The exact amount depends on the asset, the lease profile, and the lender.
Can I use my existing bank?
Not necessarily. Many banks don’t do commercial lending, and even those that do won’t suit every deal. There’s a smaller pool of lenders active in this space with different appetites for different asset types. We work across that panel regularly.
Does the tenant affect my ability to get finance?
Yes, significantly. Lenders price risk against lease length, tenant covenant strength, and vacancy risk. A long lease with a strong tenant is a very different proposition to a short lease with a new business. In some cases the loan term may be tied to the remaining lease.
Is there pre-approval for commercial property?
Not for standalone commercial investment. Unlike residential, each deal is assessed on its own merits — the lender looks at the specific property, its lease, and its risk profile. That makes knowing which lender suits which deal particularly important before you commit to anything.
Let’s Chat
Start with a Conversation.
A free 30-minute call. Tell us where you are and what you’re trying to do, and we’ll tell you honestly whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.