How this lending option works
Commercial property lending is assessed against the borrower, property, lease, cash flow, valuation and transaction structure. We package those elements clearly and compare bank, non-bank and specialist options suited to the deal.
- Owner-occupied and investment property
- Purchase, refinance and equity release
- Bank and non-bank lending options
Owner-occupied and investment commercial property
For owner-occupied premises, lenders focus on business performance and capacity to service the debt. For investment property, lease strength, tenant profile, remaining lease term and property type can materially affect gearing, pricing and loan term.
Refinance and commercial equity release
Commercial equity may be released for renovations, another property, working capital, business expansion or other documented purposes. Available funds depend on valuation, acceptable gearing, cash flow and lender policy; fees and shorter commercial loan terms should be included in the comparison.
Information lenders commonly examine
Requirements vary, but a proposal may need financial statements, tax returns, BAS, bank statements, lease documents, a contract of sale, property details and an explanation of the borrowing purpose and ownership structure.
Common questions
How much deposit is required for commercial property?
There is no single percentage. Property type, use, lease, borrower strength, lender and loan size all influence the permitted gearing and costs.
Can I use residential equity to buy commercial property?
Potentially, subject to acceptable purpose, servicing and security. The residential and commercial facilities should be structured with the risks and ownership entities clearly understood.
Can a commercial loan consolidate business debts?
It may be possible to refinance or consolidate eligible business facilities where the purpose, security and cash flow satisfy the lender. The total cost, loan term and security risk should be compared—not only the repayment reduction.
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