Commercial mortgages in Sydney

Commercial lending turns on detail: the asset, the lease, your financials and how each lender treats them. We work through those details before anything is lodged.

Who we help

  • Business owners buying their premises
  • Investors in tenanted commercial property
  • Developers funding a site or project
  • Well-leased property, financials running behind
  • SMSF trustees buying business real property
  • Property held in a company or trust
Sydney city towers from street level

What we can help with

  • Owner-occupied commercial property loans to buy the premises your business operates from: shops, warehouses, industrial sites, offices and vacant land
  • Investment and refinance for office, retail, industrial and mixed-use assets, with full doc and low doc options
  • SMSF commercial property loans for commercial property such as your business premises, under a limited recourse borrowing arrangement, coordinated with your accountant
  • Lease doc commercial loans assessed on the lease and rental income rather than full financials
  • Development and construction finance for site acquisition, construction and residual stock, across bank, non-bank and private capital
Sydney city skyline across the harbour

How we work

  1. Discovery. The property, what you plan to do with it, your timing and the ownership structure.
  2. Assessment. We review the lease, the tenant, the likely valuation and your financials, and test interest cover the way lenders will.
  3. Strategy. We compare bank, non-bank and private options and recommend a structure, with pricing, fees and conditions laid out.
  4. Approval and settlement. We manage the valuation, credit questions and approval conditions, coordinate with your solicitor and the lender, then review the facility as leases, values or plans change.

What our clients say

“James arranged our warehouse business loan and provided fantastic service throughout the entire process. He was professional, responsive and made everything simple and stress-free. Highly recommended!”

Google review

“James was great to deal with made the whole process very simple I highly recommend him.”

Google review

“James was awesome to deal with, he makes the finance process so easy I would recommend him to anyone in small business as he truly takes the stress out of finance”

Google review

Frequently asked questions

Lenders generally lend a smaller share of value against commercial property than against a home. The limit depends on the asset type, lease, location and your financial position. We’ll tell you early what’s realistic for your purchase.

Often, yes. A lease doc facility can be assessed on the property’s rent rather than your tax returns, provided the rent covers the repayments with a buffer. Some banks offer it, not only non-bank lenders.

Yes. We arrange SMSF lending for commercial property only. An SMSF can borrow to buy business real property under a limited recourse borrowing arrangement and lease it to your business at market rent. Get advice from your accountant or a licensed adviser on the fund side. We arrange the lending.

Yes, through bank, non-bank and private lenders, from site acquisition through to completion. Lenders look closely at the feasibility, the builder, any presale requirements and your track record.

We’re based in Neutral Bay and arrange commercial lending across Australia.

Talk to James about your commercial property loan

Tell us what you’re looking to fund and we’ll come back to you to talk it through. Nothing is lodged with a lender without your agreement.