What deposit does commercial property need?

Typically 20–35% depending on the asset, tenant and borrower strength — some owner-occupier and SMSF structures sit at the lower end. Specialised assets need more.

Can my SMSF buy my business premises?

It's a well-trodden structure with strict rules — the fund borrows via a limited-recourse arrangement and the business pays market rent to the fund. You'll need licensed financial advice on the super side; we handle the lending side.

What's a lease-doc loan?

A loan assessed substantially on the property's lease income rather than your full financials. It suits investors with strong tenants and complicated personal paperwork.

Are commercial rates higher than home loan rates?

Usually somewhat, and they're bespoke — the same deal can price very differently across lenders depending on appetite for the asset class that quarter. That spread is exactly why comparing matters.

How long does commercial finance take?

Longer than residential — valuation and credit assessment are more involved. Four to eight weeks is a fair planning number; urgent deals have options at a price.

Commercial Finance

Stop paying someone else's mortgage.

Buying your premises, or buying commercial property as an investment — lending that's assessed on the asset, the lease and the business behind it.

Check Business Funding Book a Call

Owner-occupiers: rent becomes equity.

If the business pays rent anyway, ownership can turn a cost into an asset — often through a structure (like an SMSF or a holding entity) that your accountant will have views on. We arrange the debt side and work in with them.

Investors: assessed on the lease.

Commercial investment lending leans on tenant quality, lease length and yield. Lease-doc options can carry the deal on rental income alone — handy when personal financials are complicated.

What's different from residential.

Deposits run larger — commonly 20–35%.

Terms are shorter and reviews exist.

Valuations are deeper and slower.

Pricing is negotiated, not advertised — which is where a broker earns their keep.