Realistic contribution planning
Commercial lending usually requires a larger own contribution than a home loan. Knowing the figure early prevents a shortfall at the worst moment.
Loan service
Commercial Property Loan Assistance
Commercial property is assessed differently from a home — the property's own characteristics carry as much weight as your income.
Overview
About commercial property loan
A commercial property loan finances the purchase of premises used for business — a shop, an office, a showroom or a unit in a commercial complex. It is a distinct product from a home loan and generally comes with a higher contribution requirement and a shorter tenure.
Lenders scrutinise the property harder than they would a residence. Location, the approvals in place, whether the building is completed and occupied, the quality of the developer and how readily the unit could be resold all affect both the decision and how much is advanced.
Whether you intend to occupy the premises yourself or let them out also matters, because it changes how the lender views the repayment source. Establishing that at the outset avoids a late change in the assessment.
Key benefits
What you get from working with us on this
Property checks anticipated
Approvals, completion status and title are examined closely. We flag likely questions before the lender raises them.
Lenders matched to the property type
Appetite for commercial property varies sharply between lenders and even between locations. Not every lender should be approached.
Clear on the total cost
Stamp duty, registration and applicable charges are set out alongside the loan so the full requirement is visible.
Eligibility
What lenders generally look at
General guidance. Every lender applies its own criteria and may weigh these differently.
- Income or business cash flow supporting the repayment
- A property the lender considers acceptable in type, location and approvals
- Own contribution meeting the lender's requirement for commercial property
- Clear and marketable title
- Credit history acceptable to the lender
Documents
What you will typically be asked for
A typical checklist. Lenders may ask for more, or for less, depending on your profile.
Identity and income
Business
Property
How it works
A simple path from enquiry to lender decision
We help you understand and prepare the case. Verification, sanction terms and the final credit decision remain with the lender.
- 01Step 1
Share your requirement
Tell us what you are trying to do — buy, build, transfer or raise funds — along with your income type and rough timeline.
- 02Step 2
Consultation
We go through your profile, explain what lenders look for and set out the options realistically open to you.
- 03Step 3
Documentation
We tell you exactly which documents are needed and check the file is complete before anything is submitted.
- 04Step 4
Lender processing
Your application goes to the lender, who carries out their own verification, valuation and legal checks.
- 05Step 5
Lender decision
The lender decides the outcome and terms. We keep you updated and explain what any sanction actually commits you to.
Questions
Commercial Property Loan questions we are asked
Generally more than for a home loan. The exact proportion is set by the lender and depends on the property, its location and your profile, so it is worth confirming before you commit to a purchase.
The treatment is different, and it depends on how the property is used and on your own tax position. This is a question for a qualified tax adviser rather than for us.
Sometimes, and with more caution than a completed unit. Lender appetite varies considerably with the developer and the project, and some will not consider it at all.
Enquire
Ask us about commercial property loan
Send a short enquiry and we will get back to you to talk through your options. Nothing here commits you to anything.