Nadine and Chris Connell
Co-Founders
Commercial Mortgages from $500K to $100M+. 60+ Australian Lender Panel.
Transform rent into equity with owner-occupied commercial property finance
Expand your portfolio with competitive commercial investment finance
Getting commercial property finance can be complex. We do the hard work for you, saving you time, money and hassles.
You'll speak directly with Nadine - no call centers, no junior staff. We'll have a relaxed conversation about what you're looking to achieve, your business situation, and what kind of property you have in mind.
We'll quickly compare over 60 lenders - including banks and lenders you can't access directly - and come back with your top options. You'll get real rates, honest pros and cons, and our professional recommendation.
Once you choose your preferred option, we take care of all the paperwork, applications, and back-and-forth with the lender. You'll get regular updates, and we'll be there right through to settlement and beyond.
30-minute consultation with Nadine directly. No call centers - just a relaxed chat about your goals and property needs.
We compare 60+ lenders and present your top 3 options with real rates and honest recommendations.
All paperwork, applications, and lender communications handled. Regular updates through to settlement.
Expert commercial mortgage brokers specialising in all types of commercial property finance across Australia. Access to 60+ commercial lenders.
Whether you're a business owner looking to stop paying rent or an investor building your commercial property portfolio, we'll find the perfect commercial mortgage from our panel of 60+ lenders.
If your commercial property loan is over 2 years old, you're likely paying too much. Our commercial mortgage brokers will compare your current rate against 60+ lenders and show you exactly how much you could save.
Stop paying rent and start building equity. Finance your own business premises with owner-occupier commercial mortgage rates and turn your biggest expense into your greatest asset.
Navigate the complexities of SMSF commercial property investment with confidence. Our commercial mortgage brokers understand LRBA requirements and work with SMSF-friendly lenders.
From small commercial builds to major developments, our commercial mortgage brokers arrange flexible construction finance with progress payments that match your project timeline.
When others say no, we find a way. Unique commercial properties, challenging circumstances, or complex structures - our commercial mortgage broker expertise and lender relationships deliver solutions.
Finance for office, retail, industrial & warehouse properties. Access 60+ lenders.
• Owner-occupied from 6.24% • Up to 80% LVR • $500K-$100M+
Get QuoteSave thousands on your existing commercial loan. Compare 60+ lenders for better rates.
• Rate reduction • Equity release • Loan consolidation
Get QuoteStop paying rent. Finance your own business premises and build equity.
• Owner-occupier rates • Tax deductible • Control your location
Get QuoteSpecialist SMSF commercial property loans with LRBA compliance.
• LRBA arrangements • Compliance guidance • Tax-effective
Get QuoteFlexible construction finance with progress payments for commercial developments.
• Progress drawdowns • Interest-only options • All project sizes
Get QuoteCreative financing for unique properties and challenging circumstances.
• Declined elsewhere • Non-standard properties • Bridging finance
Get QuoteFrom traditional offices to specialised facilities, we arrange financing for all commercial property types
CBD towers, suburban offices, medical suites, professional chambers, coworking spaces
Shopping centres, high street shops, showrooms, franchise outlets, strip malls
Distribution centres, manufacturing plants, storage facilities, logistics hubs
Medical centres, dental practices, specialist clinics, day hospitals, aged care
Hotels, restaurants, pubs, cafes, function centres, entertainment venues
Service stations, car parks, childcare centres, self-storage, mixed-use developments
Nationwide Coverage With Local Expertise. Fast, Friendly Expert Team.
Sydney • Canberra • Regional
Melbourne • Geelong • Regional
Brisbane • Gold Coast • Regional
Adelaide • Wine Regions
Perth • Mining Regions
Hobart • Darwin
Our commercial mortgage specialists will find you the best solution from 60+ lenders - completely free, with no obligation
Australia's most comprehensive lender panel for competitive rates & terms
Commercial Finance Broker • MFAA Member
Get access to 60+ lenders in minutes. No fee, no obligation.
Queensland's most trusted commercial finance specialists
Access our entire panel with just one application. More options mean better approval chances and competitive rates.
We negotiate wholesale rates and know which lender offers the most competitive terms for your specific situation.
15+ years structuring complex commercial deals. We understand exactly what lenders want to see in your application.
No upfront fees or hidden costs. We're paid by the lender when your loan settles. Expert help at no cost to you.
Get pre-approved in 24-48 hours. We know which lenders move fast and how to expedite your application process.
Banks offer one option. We compare 60+ lenders. Save time, get better terms, and dramatically increase your approval odds.
Real results from Queensland commercial property deals
"After two bank rejections, they secured approval in just 4 weeks. Now saving $2,800/month compared to rent."
"The SMSF structure saved us $180k in tax. Complex finance made simple by true professionals."
"Secured 70% funding in 3 weeks before our DA expired. Their relationships made the difference."
Get answers to the most common questions about commercial property finance and working with our expert brokers
A commercial mortgage broker acts as an intermediary between you and lenders, helping you secure the best commercial property finance for your business needs. Our expert brokers have access to 60+ specialist commercial lenders, far more than you could approach individually.
We handle the entire process including:
• Assessing your financing requirements and business situation
• Comparing loan options from our extensive lender panel
• Preparing and submitting your application
• Negotiating better rates and terms on your behalf
• Managing the approval and settlement process
With 15 years of experience and 3,300+ successful clients, we can often secure better rates and terms than you could obtain directly from lenders.
Our commercial property finance brokers can help with financing for virtually any commercial property type:
Office Buildings: From small professional suites to large corporate headquarters
Retail Properties: Shopping centres, standalone shops, restaurants, and retail outlets
Industrial Properties: Warehouses, factories, distribution centres, and manufacturing facilities
Mixed-Use Properties: Buildings combining commercial and residential elements
Specialised Properties: Medical centres, childcare facilities, service stations, and more
We handle both owner-occupied commercial properties (where your business operates from the premises) and commercial investment properties for building your property portfolio.
Commercial property loan deposits typically range from 20% to 40% of the property value, depending on several factors:
Owner-Occupied Properties: Usually require 20-30% deposit
Investment Properties: Typically require 30-40% deposit
SMSF Commercial Properties: Often require 30-35% deposit
The exact deposit required depends on:
• Your business's financial strength and cash flow
• The property type and location
• The lender's criteria and risk assessment
• Your borrowing history and credit profile
Some specialist lenders in our panel may offer higher LVR options up to 80% for well-qualified borrowers with strong financials.
Commercial mortgage rates vary significantly based on multiple factors, but currently range from 6.24% to 8.50% for most commercial properties.
Owner-Occupied Commercial: Typically 6.24% - 7.50%
Commercial Investment: Usually 6.80% - 8.50%
SMSF Commercial: Generally 6.90% - 8.20%
Factors affecting your rate include:
• Property type and location
• Loan amount and loan-to-value ratio
• Your business's financial strength
• Loan term and repayment structure
• Market conditions and lender competition
As experienced commercial mortgage brokers, we leverage our relationships with 60+ lenders to secure the most competitive rates available for your specific situation.
Yes, SMSFs can purchase commercial property, and it's often an excellent investment strategy. Our SMSF commercial property specialists can help you navigate the complex compliance requirements.
Key Benefits:
• Lease the property to your own business (related party transactions allowed)
• Tax advantages within the superannuation environment
• Portfolio diversification beyond shares and cash
• Potential for capital growth and rental income
Important Requirements:
• Property must be acquired at market value
• Professional valuation required
• Compliance with SMSF borrowing rules (LRBA)
• Ongoing compliance and administration
We work with SMSF-specialist lenders who understand these unique requirements and can provide LVRs up to 70% for qualifying commercial properties.
Commercial property finance approval timeframes typically range from 2-6 weeks, depending on the complexity of your application and lender requirements.
Pre-Approval: 24-48 hours for initial assessment
Formal Approval: 2-4 weeks for standard applications
Complex Deals: 4-6 weeks for unique properties or situations
Settlement: Usually 30-45 days from formal approval
Factors that can speed up the process:
• Complete financial documentation prepared upfront
• Professional property valuation organised early
• Working with experienced brokers who know lender requirements
• Choosing the right lender for your specific situation
Our streamlined process and strong lender relationships often result in faster approvals than going direct to individual lenders.
Working with a commercial mortgage broker offers significant advantages over approaching banks directly:
Access to More Options: We have relationships with 60+ commercial lenders including major banks, regional banks, and specialist non-bank lenders. Banks can only offer their own products.
Better Rates & Terms: Our volume and relationships often secure better pricing than retail rates offered to direct applicants.
Time Savings: Instead of approaching multiple lenders individually (which could take months), we do the comparison shopping for you.
Expert Guidance: With 15 years of experience, we know which lenders are best suited to your specific situation and property type.
No Cost to You: Our services are typically free as we're paid by the successful lender.
Ongoing Support: We manage the entire process from application to settlement, and provide ongoing support for refinancing and future needs.
Our commercial mortgage brokering services are typically provided at no cost to you. We are compensated by the successful lender through commission arrangements, similar to how residential mortgage brokers operate.
What's Included at No Cost:
• Initial consultation and needs assessment
• Loan comparison across our 60+ lender panel
• Application preparation and submission
• Negotiation with lenders on your behalf
• Management of the approval process
• Settlement coordination
When Fees May Apply:
In rare cases, for highly complex deals or where extensive business planning is required, we may discuss a small upfront fee. This would always be disclosed and agreed upon before any work commences.
Our philosophy is that quality commercial finance advice should be accessible to all business owners, regardless of deal size.
We help secure the best commercial property finance by accessing 60+ specialist lenders and handling the entire process for you.
Our services include comparing loans, preparing applications, negotiating rates, and managing approvals. With 15 years experience, we often secure better terms than going direct to banks.
Commercial property deposits typically range from 20% to 40% depending on the property type and your situation.
• Owner-occupied: 20-30% deposit
• Investment: 30-40% deposit
• SMSF: 30-35% deposit
Some lenders offer up to 80% LVR for qualified borrowers.
Current commercial mortgage rates range from 6.24% to 8.50% depending on property type and loan structure.
• Owner-occupied: 6.24% - 7.50%
• Investment: 6.80% - 8.50%
• SMSF: 6.90% - 8.20%
Our services are typically free as we're paid by the successful lender.
This includes consultation, loan comparison, application preparation, negotiation, and settlement coordination.
Fees only apply in rare complex cases and would always be disclosed upfront.
The Commercial Mortgage Specialist
© 2025 Smart Business Plans Australia. All Rights Reserved | Smart Business Plans is an Authorised Representative (CR 553930) of Loan Market Services Pty Ltd (ACL 517192). All rates, calculators, case studies and examples are for illustration purposes only. Nothing on this website is financial advice in any way. Always seek your own financial advice from an authorised financial planner or advisor.
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