Commercial Property Loans For Business Owners & Investors
Buying a shop, office, warehouse, medical suite, factory or mixed-use property is different from buying a residential home. Lenders assess commercial property on the strength of the borrower, the lease, the property type and the exit strategy.
AJP Finance helps business owners and investors compare commercial property loan options, understand deposit requirements, structure repayments and prepare a stronger application before approaching lenders.
Book Free Commercial Finance Consultation
Call 1300 100 019
✓ Offices, Shops & Warehouses
✓ Refinance & Equity Release
Planning A Commercial Property Purchase?
We help you understand lender appetite, likely deposit requirements, loan terms and documents before you commit.
- Commercial property purchase loans
- Owner occupied premises finance
- Commercial investment loans
- SMSF commercial property lending
- Refinance and debt restructure
- Equity release for business use
Start Your Commercial Property Enquiry
Working in partnership with Outsource Financial – Australian Credit Licence 384324
What Is A Commercial Property Loan?
A commercial property loan is finance used to purchase, refinance or release equity from a property used for business or investment purposes. This can include offices, retail shops, industrial warehouses, factories, medical consulting rooms, childcare centres, hospitality premises and mixed-use properties.
Commercial property loans are assessed differently to home loans. Lenders consider the property’s location, zoning, tenancy, lease length, borrower income, business financials, valuation, environmental risks and how easily the property could be sold if needed.
AJP Finance helps you work through those details early, so your application is matched to lenders who understand the property type and your borrowing purpose.
Commercial Property Finance Options
The right loan structure depends on whether you will occupy the premises, lease it to tenants, buy through an SMSF or refinance existing debt.
What Affects Commercial Property Approval?
Commercial property lending is policy-driven. A strong borrower may still face lender restrictions if the property is specialised, vacant, in a regional location or tied to a short lease.
We help identify those risks upfront and present the application in a way that gives lenders clear answers.
Key factors lenders review
- Borrower income, business profit and cash flow
- Deposit size and loan-to-value ratio
- Property type, zoning and location
- Lease length, tenant profile and vacancy risk
- Valuation, environmental and marketability risks
- Exit strategy at the end of the loan term
How We Help With Commercial Property Finance
We structure the application before it reaches the lender, so the property, borrower and loan purpose are clearly understood.
Understand The Purchase
We review the property, borrower, lease position and purchase goals.
Compare Lender Policy
We match your scenario to lenders with appetite for the property type.
Prepare Application
We organise documents, explain risks and submit a clear lending case.
Approval To Settlement
We manage lender conditions, valuation, loan documents and settlement.
Commercial Property Mistakes To Avoid
The wrong structure can limit cash flow, create refinancing pressure or leave you short at settlement.
Assuming Home Loan Rules Apply
Commercial loans can have shorter terms, lower LVRs and different fees. It is important to model the full repayment and refinance picture.
Ignoring Lease Risk
A short lease, weak tenant or vacancy can reduce lender appetite and affect valuation.
Underestimating Purchase Costs
Commercial purchases may involve GST, stamp duty, legal costs, valuation fees and fitout costs. These should be budgeted early.
More Ways AJP Finance Can Help
Frequently Asked Questions
How much deposit do I need for a commercial property loan?
Many commercial property loans require a larger deposit than residential loans. Depending on the property, borrower and lender, common LVRs may sit around 60% to 80%.
Can I buy a commercial property through my business?
Yes. Commercial property may be purchased through a company, trust, individual name or SMSF, depending on your goals. Get accounting and legal advice before deciding the ownership structure.
Can AJP Finance help refinance a commercial loan?
Yes. We can review existing commercial debt, compare current lender options and explore refinance, equity release or debt restructure strategies.
Do commercial property loans have higher rates?
Commercial rates are often priced differently to residential loans and depend on risk, LVR, lease strength, borrower profile and lender appetite.
Ready To Finance A Commercial Property?
Book a free consultation and we will help you understand lender options, borrowing capacity and the structure that suits your property goal.