Finance for commercial property, not a stretched residential loan.
Offices, retail, warehouses, or a block a lender treats as commercial. We structure the loan around the asset and the income it generates, across 50+ lenders.
Commercial lending isn’t priced or assessed like a residential loan. Deposits are typically higher, fees are higher, and how a lender reads the deal depends heavily on the property type and how it earns income. Our job is the funding: matching the deal to the lenders who actually write it, on terms that fit how you’ll hold the asset.
From asset to settlement
01
Confirm what counts as commercial.
Office space, warehouses, childcare centres, retail, and even larger residential unit blocks can be classified as commercial depending on scale and use. We confirm how your asset will actually be assessed before you go further.
02
Understand the deposit and cost difference.
Commercial loans generally need a larger deposit and carry higher fees than residential lending. We set real expectations early so the numbers in your head match what a lender will actually offer.
03
Choose the right lending path.
Full-doc lending assesses your financials in full; lease doc lending assesses the deal mostly on the property’s existing lease income, which can be faster and more flexible for an already-tenanted asset. We work out which path actually fits.
04
Set the repayments up properly.
Loan term, interest type, and repayment structure all affect what the loan costs you month to month. We set these up around how you plan to hold the asset, not as an afterthought.
What makes the difference with a commercial loan
Built for the asset, not a generic checklist.
Warehouses, childcare centres, and office space each get assessed differently by lenders. We match the loan to the asset, not the other way around.
Lease doc lending opens doors residential lending doesn’t.
If the property’s already generating lease income, that income can carry more of the application. Useful if your personal or business financials don’t tell the full story on their own.
Independent comparison, especially here.
Commercial lending is far less standardised than residential. Terms, LVRs, and lending criteria vary more by lender and asset type, and not every lender on our panel writes commercial loans. 50+ lenders means we go to the ones who do this well, not whichever one we know best.
Plain English on real numbers.
Higher deposits and fees are normal for commercial. We explain why upfront, not after you’ve found the property.
Ready to find out what’s actually possible?
Grab a free call and we’ll talk through your situation, no back-and-forth, no obligation.
Want a starting point on the numbers?
Stamp duty still applies to a commercial property purchase. Our stamp duty calculator gives you a rough figure before you talk to us.
More on commercial loans
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