Owner-occupied vs investment
Lender appetite, LVR caps and rates are very different. We position the deal in the right bucket from day one.
← Loan Types
Commercial finance, with a broker who reads the deal.
Commercial lending is policy-driven and relationship-driven. Two lenders will look at the same deal and price it 100 basis points apart. We know who's competitive right now.
Who this is built for.
- Buying your own business premises (owner-occupied commercial)
- Commercial property investors - office, retail, industrial
- Refinancing existing commercial debt to a sharper rate
- Business expansion, equipment or working capital
- Buying a freehold business including the property
- SMSF commercial property purchases
What we do
How we approach this work.
Lease quality and tenancy review
On investment deals, lenders price off the lease. We help structure documentation so the rent supports maximum borrowing.
Full doc, lease doc, low doc
Self-employed borrowers have several documentation paths in commercial lending. We pick the one that gets the best outcome, not the easiest application.
Major banks and specialist lenders
Big four pricing is sometimes best, sometimes not even close. We benchmark across major banks, second-tier and non-bank commercial lenders.
FAQs
Common questions.
What LVR can I borrow at on commercial?+
Usually 65–75% for investment commercial, sometimes up to 80% for owner-occupied. Specialist lenders can stretch further, but rates rise quickly above 75%.
Are commercial loan terms longer or shorter than residential?+
Shorter. Most commercial loans run 15–25 years, often with a fixed review or refinance point at 3 or 5 years. We structure with that in mind.
Can I use a commercial loan to buy a freehold business?+
Yes - often called a 'going concern' loan. Lenders look at both the property value and the business cashflow. We structure these regularly.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.