Finance the purchase, refinance or equity release of offices, warehouses, retail, medical, industrial and specialised commercial property.
A business owner had an industrial property under contract with finance dates approaching. We packaged the trading performance and property position for a commercial lender, securing the facility before the deadline.
The operating business occupies the property and must demonstrate enough cash flow to service the facility.
Assessment focuses on lease income, tenant quality, vacancies, outgoings, property value and borrower support.
A business may refinance existing debt or release equity for an acceptable business purpose, subject to valuation and serviceability.
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.
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.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
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.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.