Clarify the purpose
Present whether the property will be owner-occupied, leased as an investment or developed for a specific business use.
Property finance for business
Put the right lending structure behind your commercial property plans.
Commercial property finance is assessed differently from a residential home loan. We help you organise the purpose, security, cash flow and supporting evidence so suitable lenders can understand the opportunity clearly.
A commercial loan begins with the property, the purpose and the business behind it.
Commercial property can include offices, retail premises, warehouses, factories and other real estate used by a business or leased to commercial tenants. Lenders may assess the property type, location, proposed use, lease position and resale market alongside the borrower’s financial position.
Terms, deposits and evidence requirements can vary substantially between lenders. We help bring the relevant information together, identify realistic lending pathways and coordinate with your accountant or solicitor where their professional advice is needed.
How we help
Advice shaped around the decision—not a product shelf.
Prepare the evidence
Organise business financials, lease information, forecasts and security details appropriate to the proposed loan.
Compare negotiable terms
Review loan term, repayment structure, fees, security and review conditions—not only the advertised rate.
Prepare for the conversation
A few useful things to have nearby.
You do not need a perfect folder before contacting us. These details simply help us understand the position sooner.
- Property address, type and purchase price
- Business financial statements and forecasts
- Lease or expected rental information
- Deposit and proposed security
- Existing business and personal commitments
Questions, answered
What people often ask about commercial property loans.
These are general answers. Your own options depend on your circumstances and lender assessment.
How are commercial property loans different from home loans?
Commercial lending commonly has different assessment policies, loan terms, deposits, valuation methods and pricing. The property purpose and the strength of the business or lease can be central to the decision.
Can I finance premises for my own business?
Potentially. Lenders will usually consider the business’s trading history, cash flow, the property and the proposed loan structure. Requirements vary, so early preparation is useful.
Will I need a larger deposit?
Commercial loan-to-value limits are often lower than residential limits, but the required contribution depends on the property, purpose, lender and overall application.
A clearer next step