Commercial Property Finance

Invested in where the property takes you

Buying a commercial property is rarely just a transaction. For most business owners it's a long term decision that shapes how the business operates, what the balance sheet looks like and what options exist down the track. Whether you're purchasing premises to secure your occupancy, building a portfolio or making your first move into commercial property, we want to understand where you're trying to get to, not just what you're trying to buy.

That means thinking about the structure with your next move in mind, not just the one in front of you. The right facility today should give you flexibility later, whether that's drawing on equity, refinancing on better terms or using the property as a foundation for the next acquisition.

What we can help with

• Owner-occupied commercial property purchases
• Commercial investment property including retail, office, industrial and medical
• Construction and development finance
• Land bank and pre-development facilities
• Refinancing existing commercial mortgages
• Mixed-use property transactions

Commercial property lending requires a different approach

Residential lending follows a fairly predictable process. Commercial property is different. Lender appetite varies significantly by property type, location, tenancy profile and deal structure. A transaction one lender won't consider is straightforward business for another. Valuations are more subjective, income assessments are more complex, and the conditions process can be longer and more demanding than most borrowers expect.

Knowing which lender to approach, and how to frame the deal before you approach them, is the difference between a transaction that moves and one that stalls. We provide that guidance before you commit to a price or a timeline, not after.