Buying a Commercial Property?

A commercial property loan is one secured via the purchase of commercial real estate such as office premises, retail space or industrial premises to name a few.

The loan is secured by a mortgage or in some cases a caveat. Borrowers often use the funds for their business, for the property or for other investment reasons.  The commercial property may be the one you use for your business or any other profit-generating purpose.

The following property purchased can all fall within commercial property finance. These may include the following:

• Commercial Property Acquisition – This would include properties such as; offices, industrial properties, warehouses, factories, childcare and aged care facilities, shopping centres, unit blocks, medical centres, service stations etc. Typically, any type of property can be considered an investment for yourself or your business.

• Acquisition of Commercial Property using your Self-Managed Superannuation Fund to provide equity support.

• Property Development Finance – including duplexes, apartments, townhouses, home and land packages or complex land subdivisions.

We work with commercial property deals of all shapes and sizes, from smaller acquisitions to multi-site or large-scale investments in the hundreds of millions of dollars. When pursuing a commercial property loan, it is worth noting a deposit of 30% is generally required to proceed. Following on from the deposit, the amount which can be borrowed largely depends on:

• The property’s value,
• The income stream it generates and
• Your ability to pay the loan

You can also put equity towards the acquisition built in your residential property or even from your Self-Managed Superannuation Fund.

Property Development Finance is obtaining loans to buy a parcel of land and to build multiple properties on that land. We can provide finance for you to purchase and hold the land, called a ‘Land Bank Loan’ whilst you work on getting the necessary approvals to build.

You can then apply for finance to carry out construction. There are options to utilise both private and non-private lenders when pursuing property development finance.

By speaking with our experienced team we can guide you through the policies and processes of various lenders based on our extensive panel and provide you with an End-to-End solution specifically tailored to suit your needs.