Commercial Property Finance That Works for You

Every commercial property is different. Every bank has different credit policies. I navigate the complexity to find the right solution for your specific situation.

$20M+ Largest Facility
60+ Lender Panel
15+ Years Experience

Why Commercial Property Finance is Different

Commercial lending is more complex than residential - here's what you need to know

  • Variable Credit Policies: Each bank assesses commercial properties differently - what one declines, another may approve
  • Property-Specific Assessment: Lenders evaluate the property's income potential, tenant quality, and lease terms
  • Higher Deposit Requirements: Typically 20-35% deposit required depending on property type and tenant
  • Complex Structures: Company, trust, or SMSF ownership each have different lending options
  • Changing Products: Bank appetite for commercial lending changes regularly - timing matters
  • Specialist Lenders: Non-bank and specialist lenders often offer better terms for certain property types

Commercial Finance for Every Situation

From owner-occupiers to large-scale investors

Business Owner-Occupiers

Buying premises for your own business

Stop paying rent and build equity in your own premises. Whether you're a tradesperson buying a warehouse, a professional setting up a medical suite, or a retailer securing your shopfront - I'll structure the finance to work with your business cash flow.

  • Warehouse & Industrial: Workshops, storage facilities, manufacturing premises
  • Retail & Shopfronts: High street retail, shopping centre tenancies, showrooms
  • Office Space: Strata offices, whole floor purchases, professional suites
  • Specialist Premises: Medical centres, childcare facilities, hospitality venues
  • Mixed-Use Properties: Retail with residential above, live-work spaces

Commercial Property Investors

Building a commercial property portfolio

Commercial property offers higher yields and longer leases than residential. I help investors structure facilities that provide flexibility for future purchases while optimising cash flow and tax outcomes.

  • Portfolio Structuring: Set up facilities that grow with your investment strategy
  • Flexible Facilities: Line of credit and offset arrangements for active investors
  • Tenant Assessment: Understanding how lenders view different tenant profiles
  • Lease Analysis: Lease terms significantly impact lending options and valuations
  • Refinancing & Restructuring: Optimise existing portfolios for better rates and flexibility

Developers & Projects

Development finance and project funding

Development and project finance requires specialist structuring. From land acquisition through to construction completion, I work with lenders who understand the development cycle.

  • Land Banking: Finance for site acquisition prior to development approval
  • Construction Finance: Staged drawdown facilities for commercial builds
  • Residual Stock Loans: Funding against completed but unsold stock
  • Joint Venture Structures: Finance for partnership developments
  • Exit Strategies: Refinancing from development to long-term investment loans

Real Results for Commercial Clients

Every situation is unique - here's how I've helped clients like you

Self-Employed Electrician

A growing electrical business needed to purchase a $2 million warehouse to consolidate operations and store equipment. Banks had varying views on the property and the business financials.

Result: Secured finance with a lender who understood trade businesses, with terms that matched the business cash flow cycle.

Portfolio Restructure

A large property investor needed to restructure and refinance an existing commercial portfolio. The existing lending arrangements were restrictive and expensive.

Result: Restructuring advice that saved hundreds of thousands of dollars through better rates and more flexible facility structures.

$20 Million Facility with Full Offset

An active commercial investor buying and selling properties needed a facility that provided flexibility. They wanted to draw down for purchases and park proceeds from sales without going back to the bank each time.

Result: A $20M facility with full offset account - proceeds from sales offset interest until ready for the next purchase, no need to reapply for funds.

Retail Property Purchase

Business owner wanted to purchase the retail premises they were leasing. The property had a short-term lease to their own business which complicated lending.

Result: Found a lender comfortable with owner-occupier scenarios and structured the loan to transition from investment to owner-occupied terms.

Medical Centre Purchase

Medical professionals looking to purchase their own medical centre premises. These specialist properties require lenders who understand healthcare business models and long-term tenant quality.

Result: Secured competitive finance by highlighting the strong tenant covenant and essential service nature of medical facilities.

Commercial Property Types We Finance

Experience across all commercial property categories

  • Industrial & Warehouses: Factories, distribution centres, workshops, storage facilities
  • Retail: Shops, showrooms, shopping centres, fast food outlets
  • Offices: Strata offices, whole buildings, co-working spaces
  • Medical Centres: GP clinics, specialist suites, allied health premises, medical precincts
  • Other Specialist: Childcare, service stations, hotels, hospitality venues
  • Mixed-Use: Retail with residential, commercial with warehouse
  • Development Sites: Land, approved projects, construction finance

How Commercial Finance Works

A straightforward process to secure your commercial property finance

1

Initial Discussion

Understand your objectives, the property, and your financial position. Identify the best lender fit.

2

Lender Matching

Match your scenario to lenders with appetite for your property type and borrower profile.

3

Application & Valuation

Submit applications, manage commercial valuations, and respond to lender queries.

4

Approval & Settlement

Negotiate final terms, coordinate with solicitors, and complete settlement.

Ready to Discuss Your Commercial Property Finance?

Every commercial deal is different. Let's talk about your specific situation and explore your options.