Owner-occupied commercial property loans

Owning your premises gives your business more say over its location, fit-out and long-term plans. It is part of our commercial mortgage services.

Who we help

  • Buying a shop, warehouse, industrial site or office
  • Renting now and want to own
  • Buying vacant land to build premises
  • Buying through a company, trust or related entity
  • Considering a purchase through your SMSF
Sydney CBD towers and the harbour

What we can help with

  • Shops, warehouses and offices: loans to buy retail shops, warehouses, industrial sites, offices and mixed-use premises for your own business
  • Vacant land purchases, with lenders that will consider land
  • Lender comparison across bank, non-bank and private lenders on structure, term, fees and conditions, with full doc and low doc options where suitable
  • Buying entity: working with your accountant on the buying entity, then structuring the loan to match
Pyrmont and the Anzac Bridge, Sydney

How we work

  1. Discovery. The property, how your business will use it, your timing and the buying entity.
  2. Assessment. We review your business financials, the property and the likely valuation, and test repayments 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, the lender’s credit questions and the approval conditions, coordinate with your solicitor and the lender through to settlement, then review the facility as the business grows.

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!

“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

Often, yes, if the owner is willing to sell. Lenders will look at the property and your business’s ability to meet the repayments. We’ll help you work out whether the purchase stacks up before you negotiate.

Lenders generally lend a smaller share of value against commercial property than against a home. The amount depends on the property type, its location and your business’s position. We’ll give you a realistic view early, before you commit.

Generally, yes. Lenders usually lend a lower share of value against vacant land than against a built property, and look more closely at the borrower, the site and what you plan to do with it. Criteria vary between lenders, so treat this as a guide only.

It depends on your tax, asset protection and succession plans, so get advice from your accountant or a licensed adviser. We arrange the lending to suit the structure you choose.

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

Talk to James about buying your premises

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.