What types of commercial properties do you finance?
We finance all commercial property types including office buildings, retail shops, warehouses, industrial facilities, medical centres, childcare centres, mixed-use properties, development sites, and specialized properties like service stations. Whether you’re buying a small strata office or a $100M distribution centre, we have lenders to suit.
Do you work with all business types and industries?
Yes, we work with businesses owners across all industries – from professional services and medical practices to manufacturing, retail, and hospitality. We also assist commercial property investors, developers, and SMSF trustees. Our 60+ lender panel includes specialists for every industry, even those banks traditionally find “difficult.”
What are your minimum and maximum loan sizes?
We arrange commercial mortgages from $500,000 to $50 million+. We specialise in finding the most competitive rates and placing you with the right lender depending on your needs.
Do you operate Australia-wide?
Yes, we’re licensed to operate nationally and have successfully funded properties in every state and territory. Our virtual consultation model means you get expert service regardless of whether your property is in a city or regional area.
Can I get interest-only terms as an investor?
Yes, many lenders offer interest-only periods from 1-5 years for investment properties. This can improve cash flow and tax efficiency. We’ll model both options to show which works best for your situation.
Do you finance multiple commercial properties?
Absolutely. We regularly help clients build commercial property portfolios. We can structure facilities across multiple properties, cross-collateralize strategically, or keep loans separate – whatever best supports your growth strategy.
Can my SMSF buy commercial property?
Yes, we’re SMSF commercial lending specialists. Your super can borrow up to 70% LVR for commercial property. This is particularly popular for business owners buying their own premises. We’ll ensure all structures are compliant with strict SMSF borrowing rules.
I’m currently renting – can I buy my premises?
This is one of our most common scenarios. Many tenants don’t realize they can buy with modest deposits and often pay less in loan repayments than rent. We’ll analyse your lease vs buy scenario and show potential savings.
Can you include fit-out costs in the loan?
Yes, most lenders will include fit-out costs, sometimes up to 100% of renovation expenses on top of the purchase price. This is particularly common for medical centres, restaurants, and specialised facilities.
Can I refinance existing commercial debt?
Yes, we regularly help clients refinance to access better rates, release equity, or consolidate multiple facilities. With rates changing rapidly, many clients are saving $3,000-$10,000 monthly through strategic refinancing.
