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Commercial Property Loans — Purchase, Refinance or Develop

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

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

  • Commercial property purchase finance
  • Commercial property refinance and equity release
  • SMSF commercial property loans
  • Property development and construction finance — see Property Development Finance
  • Owner-occupied and investment property loans

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