Property Investment Property Purchase Property Construction Agribusiness Wholesalers Retail & E-Commerce Technology Professional Services Medical & Vet Hospitality Industrial Mining Manufacturing
Book a Free 15-Minute Finance Assessment

Commercial Property Loans for Owner-Occupiers and Investors

Office, retail, industrial or warehouse — a commercial property loan is priced and structured differently to a home loan. We run a full banking tender across 60+ lenders to secure the right LVR, rate and term for your property, at no cost to you.

Book a Free 15-Minute Finance Assessment

Commercial Property Loans at a Glance

Who it's for

  • Business owners buying the premises they trade from
  • Investors buying leased office, industrial, retail or medical property
  • Owners refinancing or releasing equity from property they already hold
  • SMSF trustees buying commercial property inside super

What we structure

  • Owner-occupier loans serviced from business cash flow
  • Investment loans serviced from rent
  • Interest-only or principal and interest, fixed or variable
  • Equity release and portfolio restructures across several properties

What lenders need

  • The contract or property address, and any existing valuation
  • The lease schedule: tenants, rent, expiry dates and options
  • Two years of financials for the borrowing entity and guarantors
  • Deposit and equity position, and existing debts and security

Owner-Occupier vs Investment: Two Greater Sydney Examples

Illustrative only, to show how the same lender market treats two different files:

  • Owner-occupier. An engineering business buys the Western Sydney warehouse it has leased for years. The bank services the loan from the business's trading profit, so two years of financials and a steady margin carry the file. Strong, consistent trading can support an LVR toward the upper end of the range.
  • Investor. An investor buys a leased office floor in Macquarie Park. The loan is serviced from rent, so the lender focuses on the tenant, the lease expiry and local vacancy. A short remaining lease can pull the LVR down, even on a good building. See commercial mortgages in Macquarie Park and the North Shore.

What Lenders Look at on a Commercial Property Loan

  • Loan-to-value ratio — typically 60% to 75% of the property's value, depending on asset type and tenancy.
  • Tenancy profile — vacant possession, a single tenant, or a diversified multi-tenant asset all price differently.
  • Serviceability — assessed against rental income, business cash flow, or a combination of both.
  • Loan structure — interest-only versus principal and interest, and fixed versus variable rate terms.

The Questions Property Buyers and Owners Are Asking

  • What's the maximum LVR I can get on this property, and what would improve it?
  • Can I purchase this property through my SMSF, and what does that finance look like?
  • Should I fix my rate, or stay variable given where rates are heading?
  • Can I release equity from an existing commercial property I own outright?
  • How does an owner-occupied purchase differ from an investment purchase for loan purposes?

Why Property Buyers Choose Glenclair Financial

Market intelligence most brokers can't match.

Having worked inside major banks on commercial property pricing and risk, we know how a given asset class and tenancy profile will actually be assessed.

A full banking tender run on your behalf.

We approach all suitable lenders — banks, second-tier and private credit — to uncover the strongest combination of LVR, rate and structure for your property.

Direct access to the specialist. No hand-offs.

You work one-to-one with a former senior banker from the first conversation through to settlement.

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

1

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

2

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

3

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

Commercial Property Finance We Arrange

Ready to Finance Your Commercial Property?

Whether you're purchasing, refinancing or releasing equity, one conversation can show you what's realistically achievable across the market.

Book a free, no-obligation consultation with us today

Book a Free 15-Minute Finance Assessment