COMMERCIAL PROPERTY LOANS
Commercial property loans in Brisbane
make room for your next move
A place for your business to grow. An investment with a purpose. Buying commercial property is a major step, and the finance should support what comes next. Monet helps owner-occupiers and investors compare suitable loans, understand the contribution required and plan for repayments.
THE SHORT ANSWER
How do commercial property loans work?
A commercial property loan funds premises such as offices, warehouses, retail space or eligible mixed-use property. Lenders assess the borrower, property, lease or business cash flow, deposit, valuation and exit. Compared with home loans, commercial terms, fees, repayment periods and lender appetite vary more widely.
You would probably benefit from working with us if…
You are buying premises for your business, investing in commercial property or reviewing an existing commercial property loan.
- You have a property or purchase goal in mind and want to understand the deposit, costs and lender requirements early.
- You want the finance assessed against your business cash flow or rental income, including lease and repayment considerations.
- You value a broker who can explain loan terms and security requirements while coordinating with your accountant and solicitor.
WHY STRUCTURE MATTERS
The property is security. The repayment story still needs to work.
An owner-occupied purchase is assessed partly through the trading business that will meet repayments. An investment purchase also depends on tenant quality, lease terms, property type and concentration risk. Specialist assets can attract different valuations and deposit requirements.
Monet structures the request around use, ownership, GST and entity advice, lease profile, cash flow and the longer-term exit. We coordinate with your accountant and solicitor without substituting for their tax or legal advice.
WHERE IT MAY FIT
Three situations worth exploring.
Eligibility and suitability depend on the full scenario. These are starting points, not approval promises.
01
Owner-occupied premises
Buy the location your business operates from and align the property debt with trading cash flow and ownership advice.
02
Commercial investment
Assess rent, lease strength, property type, gearing and the effect of vacancy or rollover risk.
03
Refinance or equity
Review an existing facility for pricing, term, security release or capital needs, after fees and valuation impacts.
PREPARE THE FILE
What the lending conversation needs.
The information needs to explain both the property transaction and the entity that will own or service the debt.
- Contract and property details
- Lease or proposed occupation
- Business and borrower financials
- Deposit and funds-to-complete evidence
- Valuation, ownership and exit information
USEFUL TO KNOW
Questions about commercial property loans.
How much deposit is needed for commercial property?
It varies by lender, property type, location, lease and borrower strength. Commercial valuations and lender loan-to-value limits can differ materially, so contribution should be tested before committing.
Are commercial loan terms shorter than home loans?
Often, although longer terms may be available. Commercial facilities may also have review dates, covenants, balloon balances or different amortisation periods, all of which should be compared.
Can I use residential property as security?
Some lenders allow residential property to support a commercial facility. That may improve terms but exposes the home or investment property to business-related debt, so the risk and release strategy should be clear.
Can an SMSF buy business premises?
A complying SMSF may be able to acquire eligible business real property, subject to current superannuation rules and specialist advice. The lending and legal structure must be coordinated before contract.
START WITH A CONVERSATION
Bring the property idea. We will help with the finance questions.
Talk to Mike Mitchell about the premises, your plans and whether the property is for your business or an investment. Your Brisbane finance broker will explain the lending options and work with your accountant and solicitor. For equipment or working capital, explore our business finance service.
No pressure. No jargon. Clear next steps.