Owner-occupied and investment property lending at competitive rates.
We arrange property finance for owner-occupied business premises and investment properties. Whether you're acquiring a property, refinancing at better rates, or building equity, we access lenders across the full spectrum and negotiate the best terms for your situation.
Commercial property finance is borrowing used to buy, build or refinance business premises or investment property, where the property serves as security and the amount available is assessed against business cash flow for owner-occupied premises or rental income for investments. It covers the loan structure, lender selection and settlement involved in acquiring or refinancing commercial real estate. It’s one function of Finance Broking within your Finance Hub , part of a connected back office.
Common problems we solve
You want to buy business premises but are unsure how much you can borrow
You're paying above-market rates and want to refinance at better terms
You've been rejected by your bank and don't know if you can borrow elsewhere
You want to build an investment property portfolio but don't know the best structure
You're concerned about interest rate risk and want fixed-rate options
Here's what you receive
Property Finance Sourcing
Access to 30+ lenders (banks, mortgage lenders, investor lenders) with competitive rates for owner-occupied and investment properties.
Borrowing Capacity Assessment
Analysis of how much you can borrow based on business income (owner-occupied) or rental income (investment), with scenarios for different interest rates.
Multi-Lender Comparison
Quotes from multiple lenders showing rates, terms, fees, and flexibility options. You compare and choose.
Application & Approval Management
Complete preparation of property finance application and management of approval process with lender.
Settlement Coordination
Coordination with lawyers, valuers, and lenders to facilitate settlement and property transfer.
How it works
Owner-occupied property is a cornerstone of many Australian SMEs. Rather than renting, business owners buy their premises and build equity. We facilitate this by accessing competitive property finance and ensuring loans are structured appropriately for your business cash flow. For investment-minded owners, we also support property portfolio building, using equity from existing properties to acquire investment properties for long-term growth. Property finance is more complex than equipment finance because properties are slower to value, settlement is more involved, and regulations are stricter. We navigate this complexity and ensure the process runs smoothly. We also provide strategy advice: Should you buy now or wait for market conditions? Should you finance 70% or 80% LVR? Should you have interest-only or principal-and-interest repayment? These decisions significantly impact long-term wealth and cash flow.
Access to owner-occupied property lenders (30+ lenders)
Competitive rates negotiated across multiple lenders
Investment property expertise for portfolio growth
Loan structure optimised to your business cash flow
Construction/development finance if building new
Expert assistance with settlement and ongoing management
How commercial property finance works
Understanding your property need and timing
Assessing borrowing capacity based on income (business cash flow for owner-occupied, rental income for investment)
Property valuation and due diligence support
Lender selection: major banks, mortgage brokers, specialist property lenders
Application preparation with all required documentation
Approval management and negotiation of final terms
Settlement coordination with legal and valuation professionals
Who this service is ideal for
Business owners ready to buy owner-occupied premises
Growing SMEs wanting to refinance existing property debt
Investors building property portfolio for long-term growth
Owners needing expert guidance on borrowing capacity and loan structure
Related services to explore
Business Lending
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
Loan Refinancing
If you've had loans for more than a year or rates have changed, refinancing often saves significant money. We assess your current loans, identify refinancing opportunities, and execute the refinance to better terms. Common scenarios: rates have dropped, your credit has improved, or you can consolidate multiple loans.
Facility Optimisation
Rather than dealing with loans one-at-a-time, we take a holistic approach to your lending structure. We review all debt, identify inefficiencies, and restructure your entire facility, consolidating, refinancing, and reallocating borrowing, for optimised cost, flexibility, and growth capacity.
Frequently asked questions
The short answers are here. For anything else, ask below or get in touch.
For owner-occupied business premises, lenders typically lend 70-80% of property value based on your business cash flow serviceability. We assess how much your business can service.
Ready to get started with commercial property finance?
We can help you implement commercial property finance and start seeing results. Talk to an advisor about your specific needs and how this service would fit your business.