Maximise returns on your commercial property ventures through expert advice and access to flexible, long-term funding.
Securing commercial real estate funding for a retail, office, or industrial property can be daunting for even the most experienced investor. With our advice on collateralising and supporting your application through solid documentation, we’ll give you every chance to lock down a lucrative asset that will deliver for years to come.
Commercial properties generally offer higher rental yields compared to residential, largely because commercial tenants (unlike renters) pay most of their operating costs and maintenance.
Take advantage of longer repayment terms compared to development finance and short-term business loans. Smart structuring with extended payment schedules keeps the loan serviceable, maintaining cash flow.
Is your portfolio heavy on residential investment? Diversifying holdings by adding other asset types can hedge against housing downturns. Multiple sub-categories – office, retail, industrial – add even more variety.
If the big banks won’t play ball, access to various private financiers helps us turn rejection into opportunity. With one of the nation’s biggest funding networks at our disposal, your project has every chance.
After meeting to discuss requirements, we’ll clearly outline our recommended financing strategy and pre-requisites. Once you’ve given us what we need, it’s up to us out the pedal to the metal to get the approvals.
We’ve collaborated with countless developers, helping them to grow their portfolio from the early days. Having gained insights into the trials, tribulations, and keys to success, we walk the talk when it comes to property development.
The last thing you want is a broker trying to tie you to them before they’ve shown you the goods. We don’t ask you to sign (or pay) anything, until we’ve first presented you with a viable source of funding.
If you’re looking to lift the roller doors on a commercial property, talk to one of our commercial property brokers today and expand your financial horizons.
With their long lease terms, commercial offices appeal to investors and lenders alike. Whether you want to acquire office space purely as an investment, for your own business premises, or even a combination of both, we’ll work in and out of office hours to find an effective financial solution.
Looking to snap up a shopfront, either to run yourself or rent out? Retail properties, especially those in prime locations, provide a steady stream of income, although the retail sector’s susceptibility to economic downturns can spook some lenders. We’ll help you optimise your application for success.
Interested in an industrial property for your business, or to lease to another operator? Warehouses, showrooms, storage units, and manufacturing facilities, enable long-term investments with good serviceability, and offer business owners opportunities for expansion.
Want to add a commercial property to your self-managed super fund’s investment portfolio? Our experts regularly work with clients to acquire commercial assets via their SMSF, providing market-leading rates and working with financial consultants to ensure all legislative requirements are met.
Commercial property loans are typically secured using the property itself as collateral. Standard commercial properties, such as offices, factories, warehouses, retail spaces, and residential properties (including blocks of units, houses, and townhouses), are considered less risky by banks and are preferable as security. These properties have broad appeal, good locations, and are zoned as residential, commercial, industrial, or mixed-use.
They often require a sizeable deposit, making it easier to get loan approval. On the other hand, specialised commercial properties, such as hotels, resorts, farms, petrol stations, and recreation centers, are considered higher risk due to their limited marketability, requiring detailed valuation and risk assessment, and may demand a larger deposit for approval.
Commercial property loans serve different purposes, including investment, owner-occupied, working capital, and other commercial or business needs. The loan’s purpose affects how it is assessed by lenders. Investment loans for purchasing or refinancing a commercial property that will be leased are generally considered low risk. Owner-occupied loans, where the property is leased to or occupied by your own business, fall under medium risk. Working capital loans for day-to-day business operations or liquidity shortfalls are considered high risk.
Other commercial or business purposes are assessed case by case. It’s crucial to ensure that the loan purpose aligns with the correct assessment category, as this can impact approval and lending terms.
In a commercial property loan application, the lender may require a General Security Agreement (GSA) in addition to the property provided as collateral. A GSA extends security to all of the borrower’s business assets along with the property.
However, if the borrower has sufficient equity, or can afford the loan without additional security, a mortgage broker may negotiate against a GSA or Guarantee and Indemnity (G&I). Some lenders might accept the property alone as security if its income can service the debt, reducing the need for a personal guarantee. Understanding the lender’s requirements and risk assessment is crucial when structuring the loan security.
We make moves for motivated individuals seeking a financial solution to achieve their lifestyle, business, or project goals. Call, email, or send an enquiry to open the channels of communication.
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