Finance to Buy Your Own Business Premises

Buying the building your business trades from is a different lending conversation to an investment property purchase. We run a full banking tender across 60+ lenders to get the LVR and terms that reflect owning premises you operate in yourself, at no cost to you.

Book a Free 15-Minute Finance Assessment

Owner-Occupier vs Investor: Why It Matters to Lenders

LVR — owner-occupied premises can sometimes achieve a higher loan-to-value ratio than a comparable investment property, since the lender is backed by your trading business's cash flow as well as the property itself.
Serviceability — rather than assessing rental income from a third-party tenant, the lender looks at your business's ability to cover the loan, effectively treating the rent you'd otherwise pay a landlord as available serviceability.
Vacancy risk — a lender views owner-occupied premises as lower vacancy risk than a tenanted investment, which can support more competitive pricing.
SMSF purchase — buying your own trading premises through your self-managed super fund and leasing it back to your business is one of the more common uses of SMSF borrowing, though it comes with strict compliance rules around "business real property" that need to be structured correctly from the outset.

The Questions Business Owners Are Asking

Does buying rather than continuing to lease actually make financial sense for my business?
What LVR can I achieve on premises I'll be trading from myself?
Can I purchase the premises through my SMSF and lease it back to my operating business?
Should the property sit in a separate entity to my trading business for asset protection?
What happens to the loan if I later sell the business but want to keep the property?

Why Business Owners Choose Glenclair Financial

We know how owner-occupied deals are actually priced.

Having worked inside major banks on commercial property risk, we know when an owner-occupier premium is being applied fairly, and when it isn't.

We get the structure right from day one.

Whether the property should sit in your trading entity, a separate holding structure, or your SMSF affects tax, asset protection and future flexibility — we work through this with you and your accountant before you sign a contract.

A full banking tender run on your behalf.

We approach all suitable lenders to uncover the strongest combination of LVR, rate and structure for your purchase.

Zero cost to you.

We're paid by the lender as part of their standard costs. If we don't deliver clear value, you pay nothing.

$355K Annual savings delivered to a single client

35 BPS Average reduction in debt servicing costs (basis points) — and if we can't save you money, we won't represent you

60+ Lenders on our panel — Big Four, second tier, third tier, and private credit

$0 There is no cost to you for our services; we are compensated by lenders rather than clients. Debt advisory services are the exception, provided under a retainer and success-fee structure

HOW IT WORKS

Tell us about your business
Share your situation, goals, and what you need to achieve.

We run the full banking tender
We approach all relevant lenders and secure competing offers.

You choose — we close
Pick the best terms and we manage everything through to settlement.

Business Premises Finance We Arrange

Owner-occupier commercial property purchase finance
SMSF purchase of business real property
Construction and fit-out finance for new premises
Refinance and equity release on premises you already own
See also Commercial Property Loans for investment and broader commercial property finance

Ready to Own the Premises You Trade From?

One conversation can show you what LVR and structure genuinely suits buying your own business premises.

Book a free, no-obligation consultation with us today

Book a Free 15-Minute Finance Assessment