Start with the questions that matter
Is the property owner-occupied or investment?
How will the lease affect servicing?
What deposit, term and security may be required?
More than a property purchase
For owner-occupied premises, the lender will consider both the property and the strength of the operating business. For an investment property, lease terms, tenant quality, rental income and vacancy risk become important.
We help clarify the funding structure, coordinate the financial information and identify which aspects of the proposal may require further evidence.
Commercial lending support
- Owner-occupied commercial property
- Commercial investment property
- Refinancing existing commercial debt
- Industrial, retail and office premises
- Deposit and equity assessment
- Loan term, amortisation and interest-only options
- Coordination of valuation and lender conditions
Prepare for different terms
Commercial loans commonly have shorter terms, different pricing, establishment fees and periodic review requirements. The lender may require a registered valuation, building information, leases, insurance and detailed financial accounts.
Legal, tax, valuation and property due diligence should be completed by suitably qualified professionals. Our role is to advise on the lending and manage the finance application.
The property and the business, read together.
We coordinate the lending story across the property and the business behind it, helping you identify lender questions early and avoid treating commercial finance like a larger home loan.
Commercial property and business lending terms vary materially between lenders and transactions. Approval, pricing and conditions are not guaranteed.
