Property Finance
Commercial mortgages.
Finance to buy, refinance or release equity against commercial property — taken to the lender most likely to back it.
Overview
How it works.
A commercial mortgage funds the purchase or refinance of commercial property — offices, retail space, warehouses, industrial sheds, mixed-use buildings. It works very differently to a home loan. Lenders look at the lease, the strength of the tenants, the type of property and your wider financial position — and pricing moves with all of it. We take your loan to the lenders that actually want your kind of property, rather than the one bank you happen to use already. For owner-occupiers, that often means a sharper rate and a longer term than your current lender will offer. For investors, it can mean a higher LVR or an interest-only period the first bank quietly declined. We handle the valuation, the lease review and the application, and keep things moving through to settlement.
Key Details
- Loan size
- $100K – $50M+
- Loan term
- Up to 30 years
- LVR
- Up to 70–100%
- Rate
- Fixed or variable
- Security
- First mortgage or blended
Use Cases
When this product fits.
01 / 03
Buying your own premises
An operating business buying the building it trades from — moving rent onto the balance sheet as an asset and locking in occupancy.
02 / 03
Commercial property investment
An investor acquiring a tenanted office, retail or industrial asset and needs the lease profile read correctly to get the right LVR.
03 / 03
Refinance and equity release
An owner refinancing an existing commercial loan to a sharper rate, or pulling equity out of a held property to fund the next move.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
Lenders price on the property, the income it produces and the strength of the borrower behind it. Lease length, tenant quality, property class and location all move the rate and the LVR. Two near-identical buildings can attract very different terms depending on who is in them and how long the lease has to run.
It depends on the property type and whether you occupy it or lease it out. Owner-occupied premises and standard commercial assets generally sit higher; specialised property sits lower. We quote the realistic range up front rather than the headline number.
Yes, though a short remaining lease term affects how lenders view the income and may pull the LVR back. Some lenders are far more comfortable with it than others — that is exactly the kind of detail that decides which lender we take the file to.
Both. The credit story is different for each — owner-occupiers are assessed on the trading business, investors on the lease and the asset — so we structure and place them differently.
A clean purchase or refinance typically runs a few weeks from application to settlement, with the valuation usually the longest single step. We give you a realistic timeline once we have seen the deal.
Related Products
You might also need.
Ready?
Let's structure your commercial mortgages.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.