Premises, growth, cash flow. Funded properly.
Commercial lending is a different world from home loans, with different lenders, terms and traps. We speak the language and negotiate on your behalf, so you can stay focused on the business.
Repaying your own commercial premises instead of a landlord’s mortgage changes the whole equation.
Commercial finance we arrange.
From your first premises to a growing portfolio, here’s where we can help.
Owner-occupied
Buy the building your business runs from. Often smarter than renting, and your repayments build your own equity.
Commercial investment
Offices, warehouses, retail. Commercial property can offer strong yields, and lenders assess it very differently to housing.
Development finance
Funding for building, subdividing or major fit-outs, structured around your project’s stages and pre-sales.
The right entity
Company, trust or SMSF. How you hold a commercial property affects tax, risk and lending. We’ll coordinate with your advisers.
How a commercial deal comes together.
Tell us what you need
A quick, friendly chat about what you’re financing, your timeline, and the budget you have in mind.
We compare your options
We research lenders across the market and come back with a shortlist that genuinely fits, with honest pros and cons.
We arrange it all
Application, paperwork, approvals. We handle the lot and keep you posted at every stage.
Ongoing support
We stay in touch after settlement and keep checking that your finance still works as your situation changes.
What locals say on Google.
Commercial questions we hear all the time.
How big a deposit do commercial loans need?+
Typically 20–35% depending on the property type and your covenant. Specialist lenders can be more flexible, and we know who they are.
Are commercial rates higher than home loan rates?+
Usually somewhat higher, reflecting the different risk. Structure and lender choice make a big difference, which is where we earn our keep.
Can my SMSF buy my business premises?+
In many cases, yes, and your business pays rent to your own fund. It needs careful structuring and licensed advice, and we work within those rules.
How long do commercial loans run?+
Terms of 15–25 years are common, sometimes with reviews along the way. We’ll negotiate terms that suit your cash flow.
Ready to back the business?
Tell us what you’re planning and we’ll map out how the funding could work, in plain English.
Or skip all of this and call James directly on 0405 069 441.