Business owners
Buying the premises your business operates from.
Commercial property loans.
Buying business premises or a commercial investment? Commercial lenders look at the property, the lease and the business, not just your income. We compare banks and specialist lenders to find terms that suit.
Who it suits
Investors
Shops, offices, warehouses and industrial units with tenants.
Refinancing
Moving a commercial loan to a better rate or longer term.
How it works
- We review the property, any leases and your business or investment plans.
- We approach lenders whose policy fits the property type and loan size.
- The lender values the property, often with a commercial valuer.
- We negotiate the terms: rate, term, loan-to-value and conditions.
- We manage the approval and settlement.
What lenders look at
- The property type, location and condition
- Lease terms, tenant quality and rental income
- Your business financials if you'll occupy the property
- A lower loan-to-value ratio than home loans, often 60–70%
- Your other assets and experience
Good to know
Shorter terms and reviews
Commercial loans often have shorter terms and periodic reviews. We explain what the lender can review and when.
Low-doc options
Some lenders offer commercial loans with less paperwork, at a higher rate.
SMSF option
Your super fund may be able to buy your business premises.
Common questions
How much deposit do I need for commercial property?
Usually 30–40% plus costs, though some lenders go higher with extra security such as your home.
Do commercial loans have GST?
The purchase price may include GST depending on the property and the seller. Get advice from your accountant before you sign.
Can I use my home as extra security?
Often yes, which can reduce the deposit you need. It also puts your home at risk, so we explain this carefully.
Related
General information only, not credit, tax or financial advice. Every lender has its own criteria and approval is never guaranteed.
Talk to us about commercial loans.
Free, no-obligation chat in person, by phone or by video.