We can assist with finance for a wide range of commercial properties, including offices, warehouses, industrial properties, retail premises and other specialised commercial assets. Available lending options will depend on the property, its intended use and your circumstances.

Generally 20% to 30% + purchasing costs.

Commercial property deposit requirements vary significantly between lenders and property types.

The required contribution can depend on factors such as the property's location, use, value, lease arrangements and the strength of the borrower.

Yes. Commercial property can be purchased through structures including companies and trusts. Lending requirements can differ depending on the ownership structure, so it's important to have the proposed structure established correctly before proceeding. You should obtain appropriate accounting and legal advice regarding the ownership structure itself.

Yes. Owner-occupied commercial property finance can be used to purchase premises for your business to operate from, such as an office, warehouse, factory or retail premises.

Yes. We can explore lending options for purchasing an established business. Lenders may consider factors including the business's financial performance, purchase price, industry, your experience, available security and the contribution you're making towards the purchase.

Business finance can potentially be used for working capital, expansion, fit-outs, equipment, machinery, vehicles, stock and other business purposes. The appropriate loan structure will depend on what you're financing and the financial position of the business.

Not necessarily. Both secured and unsecured business finance options are available. Providing suitable security can potentially provide access to different lenders, larger loan amounts, longer terms or more favourable pricing.

Commercial lending is less standardised than residential lending, with significant differences between lenders in pricing, loan terms, security requirements, servicing and credit policy. We can compare these factors across different lenders rather than assessing your application against the policy of just one bank.

Yes. Commercial loans can have different interest rates, loan terms, repayment structures, fees, valuation requirements and lending criteria. Rather than assuming a residential-style loan structure, we'll compare the available options and structure the finance around the property, business and what you're trying to achieve.

Requirements vary between lenders and loan types. Depending on the application, lenders may request financial statements, tax returns, BAS statements, bank statements, lease information and details of your assets and liabilities. Some lenders may also offer alternative-documentation options for eligible borrowers.