A major bank
Strong for owner-occupier premises with long lease tail and blue-chip tenants.
Office, retail, industrial or mixed-use. We source commercial property finance for owner-occupiers and investors.
Buying your business premises or investing in a commercial property is different from residential in every way: valuation, serviceability, deposit, tenure, and which lender will even look at it.
We know the commercial teams at the majors and the non-bank specialists. We'll sense-check the numbers, source three to five options, and walk you through the structure - including the tax implications worth discussing with your accountant.
Both are handled differently by lenders. We know which is which.
Commercial property is one of the sweetest use cases for SMSF borrowing.
Most deals land 60-70% LVR. Higher is possible for strong borrowers or low-risk asset types.
Happy to work with your solicitor on related-party leases or tenant covenants.
Tell us the asset, price, tenancy, use. We'll give you a rough servicing view.
Three to five lenders, with indicative rate and LVR.
Full credit submission. Valuation ordered.
Coordinated with your solicitor and the vendor.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Strong for owner-occupier premises with long lease tail and blue-chip tenants.
Sharper on pricing for strata offices and retail strips in good suburbs.
For vacant possession, short lease tails, or higher LVR asks.
We bought the industrial unit we'd been leasing for 12 years. Richard compared four lenders and we ended up 0.6% cheaper than our bank's first offer.
Buy your business premises through your super fund.
Learn more →For projects, not passive investments.
Learn more →For the fit-out and plant.
Learn more →Usually 30%+ for commercial, though stronger deals can go to 80% LVR. Specialist lenders will go higher with a premium.
Often yes - 15-25 years is typical, vs 30 for residential. Interest-only periods available.
On most commercial transactions, yes - though it may be reclaimable if you're registered. Your accountant will confirm.
Yes, but lender appetite narrows. LVRs drop. Rates may be a touch higher.
Absolutely - strata offices and shops finance fine, though some lenders prefer minimum sizes.
Yes, via an LRBA. Particularly well-suited if you plan to lease it back to your own business.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm