Commercial property offers the potential for both rental income and long-term capital growth. Compared to residential investment, benefits include longer lease terms—often a minimum of five years—and tenants generally covering maintenance, rates, and repairs. Be mindful, however, of higher risks such as longer vacancy periods and a smaller pool of potential buyers.
When buying through an SMSF or in your personal name, planning the right loan structure is critical. Insurance, tax implications like GST, and lender requirements all influence your borrowing capacity. We work with you—and your accountant if needed—to structure a commercial property loan that supports growth and protects your interests.
Owning your business premises gives you control, security, and potential capital gains. Loans for owner‑occupied property are designed to be repaid using your business cash flow while the property becomes a long-term asset for the business or fund. As you build equity, you can unlock funds for future business needs or expansion.
We assess your business structure, earnings, and location to find flexible commercial lending options. Some lenders may provide higher LVRs or longer terms, depending on the property type and industry.
When helping you secure financing for commercial property, we review key factors including:
Loan‑to‑Value Ratios (typically 65‑75% for commercial property, sometimes higher for owner‑occupied)
Debt service coverage, often requiring EBITDA to exceed interest costs by a set multiple
Loan types such as fixed, variable, or split interest rates; interest‑only periods; balloon repayment options
Structure options including first mortgage, mezzanine or secondary financing
Upfront costs like application fees and valuation reports
Features such as offset accounts or extra repayment options where available
With this knowledge, we find the right lender and structure to match your goals and financial circumstances.
Our commercial finance team has access to over 60 lenders and specialises in sourcing tailored commercial property loans. We understand the differences between owner‑occupied, SMSF-based, and investor loans, and work with your advisors to structure a solution that is compliant and tax-effective.
What we offer:
A tailored loan strategy to match your business or SMSF structure
Competitive rates and flexible terms across a variety of lenders
Expert assistance with compliance, lender requirements and submission
End-to-end support from application to settlement