Commercial property
Commercial lending through specialist lenders.
Business premises, development finance, mixed-use property. The main banks aren't always the answer — we work with lenders who specialise in commercial.
Written by Gareth King · Last updated May 2026
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What we help with
From shop fronts to subdivisions.
Business premises purchase
Buying a shop, office, warehouse, or industrial unit for your business. We find the right lender and structure the loan to suit your cash flow.
Development finance
Subdivisions, multi-unit builds, and land development. We work with lenders who understand progress drawdowns and development margins.
Mixed-use property
A building with a shop downstairs and a flat upstairs, or an office with an attached residence. These don't fit neatly into residential or commercial boxes — we know which lenders handle them well.
Refinancing commercial debt
If your existing commercial loan is up for renewal or you want a better rate, we'll compare what's available across our panel and negotiate on your behalf.
How commercial differs from residential
Different rules, different lenders, different approach.
Commercial property lending is a different game from residential. The rates are higher, the deposits are bigger, and the assessment process looks at the property and the business — not just your personal income.
Most people find this out the hard way when they go to their bank and get a very different answer than they expected. That's where a broker with access to specialist commercial lenders makes a real difference.
- Different LVR rules
- Residential lenders will often go to 80% or even 90% LVR. Commercial lending typically maxes out at 65–70% of the property's value. That means a bigger deposit or more equity upfront.
- Different servicing tests
- Banks assess commercial lending based on the property's rental income and the business's ability to service the debt — not just your personal income. The numbers need to stack up differently.
- Different valuations
- Commercial valuations are more complex and more expensive than residential. They're based on capitalisation rates, rental yields, and comparable sales — not just what the house next door sold for.
- Shorter loan terms
- Where a residential mortgage might run for 30 years, commercial terms are typically shorter — often 15 to 20 years, with the interest rate reviewed every few years.
Our commercial lender panel
Specialist lenders, not just the big banks.
For commercial lending, the main banks are only part of the picture. We work with specialist lenders who focus on commercial and development finance — lenders who understand the deals the banks often pass on.
Plus the major banks for clients who fit their commercial criteria.
FAQs
Common questions about commercial lending.
Got a different question? Send it through — we reply within a business day.
Looking at a commercial property?
Tell us what you're buying and we'll show you what's possible.
No commitment. We'll look at the deal, compare our commercial panel, and tell you which lenders fit.
