Commercial Property Loans
Buying commercial property is not just a property decision, it’s a business decision.
Whether you're purchasing your own premises or investing, the loan affects cash flow, borrowing capacity and personal risk. Commercial lending works very differently to residential lending, and understanding the commitment is just as important as getting approval.
I guide business owners through the process so you know exactly what the loan means before you proceed.
How Commercial Property Loans Work
Commercial lenders assess both the property and the business behind it.
They review:
business financial performance
cash flow and serviceability
lease income (if investment)
property type and location
personal financial position
Deposits are usually higher than residential loans and personal guarantees are common. The structure matters because the loan sits alongside your business operations and personal finances.
My role is to ensure the lending supports your business, not restricts it.
Types of Commercial Property Finance
Owner-Occupied Premises
Lenders assess whether your business can comfortably service the loan. Owning can provide stability and long-term equity, but repayments must fit cash flow.
Commercial Investment Property
Assessment focuses on rental income, tenant quality and lease terms. I help you understand yield requirements and risk.
Mixed-Use Properties
Shop-top residences and mixed properties have specific lender policies. I match you with lenders who accept them.
Key Things to Understand Before Applying
Commercial property loans often require personal guarantees, meaning you remain personally responsible if the business cannot meet repayments.
We also review:
repayment impact on business cash flow
loan structure and term
valuation outcomes
risk scenarios (vacancy, slow trading periods)
Understanding these upfront prevents financial stress later.
Why Work With Me
Business owners don’t need another application form. They need clarity.
I specialise in complex income lending and work directly with your accountant to present your financial position properly. I also recommend lenders based on policy, not just rates, so the application fits your situation from the start.
I explain the options clearly so you understand what you’re committing to before you sign anything.
Considering Commercial Property?
Before committing, it’s worth understanding borrowing capacity, deposit requirements and risk exposure.
Let’s talk through what you're planning and I’ll outline how lenders will assess it and what structure makes sense.