Commercial property finance Australia

Commercial Property Finance for Owner-Occupiers and Investors

Finance the purchase, refinance or equity release of offices, warehouses, retail, medical, industrial and specialised commercial property.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Authorised Credit Representative
  • AFCA member 119860
  • Australia-wide lender access
  • No credit check now
Finance options

What may fit your situation

Business premises

Owner-occupied property

The operating business occupies the property and must demonstrate enough cash flow to service the facility.

Rental income

Commercial investment

Assessment focuses on lease income, tenant quality, vacancies, outgoings, property value and borrower support.

Capital release

Refinance and equity access

A business may refinance existing debt or release equity for an acceptable business purpose, subject to valuation and serviceability.

Assessment

How is commercial property borrowing capacity calculated?

Commercial lenders typically test both serviceability and security. A strong valuation does not replace repayment capacity. Equally, good cash flow may not overcome a high loan-to-value ratio or a specialised property with limited resale demand.

  • Business or rental cash flow after normalised expenses
  • Interest cover and debt service ratios
  • Independent valuation and acceptable LVR
  • Lease term, tenant quality and vacancy risk
  • Property type, location and marketability
  • Loan term, amortisation and exit strategy
Preparation

What documents are usually required?

Expect more documentation than a standard residential loan. The exact pack depends on whether the property is owner-occupied, tenanted, specialised or held in a trust or company structure.

  • Contract of sale and property details
  • Current leases, rent schedule and outgoings
  • Two years of financial statements and tax returns
  • Current management accounts and debt schedule
  • Entity and trust documents
  • Evidence of deposit and acquisition costs
How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

It varies by property type, location, lease strength, borrower profile and lender. Specialised or vacant properties generally require more equity than standard, well-located assets.

Potentially, subject to superannuation law, borrowing rules and lender policy. Obtain independent legal, tax and financial advice before entering a contract.

Some structures use residential property as supporting security, subject to purpose, ownership, serviceability and the lender’s policy.

Timing depends on valuation, legal review, entity complexity and lender workload. Build enough time into the contract and avoid assuming residential-loan timeframes.

Keep researching
Solutions

Business finance solutions

Review complementary working capital and asset finance.

Read more →Guide

Document pack guide

Prepare the evidence lenders need.

Read more →Contact

Contact GPS Finance

Discuss a property transaction and timeline.

Read more →
Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Request a finance assessmentCall (02) 8313 3879
Get Finance Options