Pathway FP·03 · Commercial Property
Commercial property finance, handled end to end.
Funding for commercial property purchases, refinancing and equity release, whether you occupy the property, hold it as an investment, or both.
Who this pathway helps.
Whether the property is somewhere your business operates from, an investment, or a mix of both, the funding needs to fit how you'll actually use it. This pathway is built for:
- Businesses buying their own premises
- Investors purchasing commercial property
- Owners looking to refinance or release equity
Common uses.
- Owner-occupied property
- Commercial investment property
- Refinance
- Cash-out or equity release
- Warehouses, industrial, retail, office, childcare, medical and mixed-use
From enquiry to pathway in four steps.
No documents at the first stage, no obligation. A clear process designed to respect your time.
Complete a short assessment
Tell us about your business and what you're looking to fund. No financial documents needed at this stage.
We review the enquiry
A real person, not a scorecard, reads your answers and works out which funding channels fit your position.
Pathways are identified
Suitable options are compared across banks, non-bank lenders and specialist funding partners.
We discuss the next step
You're contacted to talk through the pathway, what's involved and what happens next. No obligation.
What lenders look at.
Every lender weighs a commercial property scenario differently, but most assessments come back to three things.
The property
Property type, location and how it will be used, whether you occupy it, hold it as an investment, or both.
The amount
The purchase price or current value, and the amount required against it, including the equity or deposit you have available.
Your position
Your business position and existing commitments, so any structure fits alongside what you're already carrying.
Initial enquiry only. No credit check, no obligation and no document upload. Larger or specialised scenarios may be introduced to a specialist commercial finance partner, and we'll only do that with your consent.
Common questions.
Straight answers to the questions commercial property borrowers ask most.
Can I buy business premises through my SMSF?
SMSF commercial property purchase is possible within strict rules. It's a specialist area. We can discuss your scenario and point you toward appropriate advice.
How much deposit do I need for commercial property?
Commercial lending typically requires more equity than residential, and the exact position depends on the property type, use and lender. The enquiry frames this up.
Can I release equity from a property I already own?
Yes. Equity release can fund business growth, purchases or consolidation, subject to valuation and assessment.
Do you finance specialised properties like childcare or medical centres?
Yes. Specialised property types are handled, often through specialist funding partners.
Ready to check your options?
About two minutes, no documents, no obligation.
All funding is subject to assessment and the criteria of the relevant lender or funding partner.