Commercial Mortgage Broker for Macquarie Park and the North Shore
Businesses and investors around Macquarie Park, North Ryde and the North Shore buy office, lab, medical and light-industrial property that lenders assess very differently. We're a Sydney-based commercial finance broker tendering owner-occupier and investment property loans across 60+ lenders.
Book a Free 15-Minute Finance AssessmentNorth Shore Commercial Property Finance at a Glance
Who it's for
- Business owners buying their own premises in Macquarie Park, North Ryde or Lane Cove West
- Investors buying office, strata office, lab or light-industrial property
- Medical and allied health operators buying rooms near the North Shore hospital precincts
- Owners refinancing or releasing equity from property they already hold
What we structure
- Owner-occupier loans serviced from business cash flow
- Investment loans serviced from lease income
- Strata office and suite purchases
- Refinance, equity release and SMSF property loans
What lenders need
- The contract, or the property address and current valuation
- The lease schedule: tenants, rent, expiry dates and options
- Two years of business or entity financials, plus year-to-date figures
- Existing facilities and security, and the deposit or equity position
Owner-Occupier vs Investment Property Loans
If your business occupies the property, lenders service the loan from the business's cash flow and look hard at trading history. If you're an investor, the loan is serviced from rent, so the tenant, the lease term and the rent review structure carry the credit decision. The same building can attract a different LVR and rate depending on which side of that line you sit.
How Lenders View North Shore Commercial Property
- Office vacancy. Macquarie Park's office market has carried elevated vacancy since hybrid work took hold, so lenders focus on lease expiry, tenant strength and how quickly space would re-let.
- Strata office. Smaller strata suites are popular with owner-occupiers, but some lenders cap LVRs lower or restrict unit size.
- Lab and specialised space. Life science and lab fit-outs can add value, but a lender will ask how the property would perform for a general office or industrial tenant.
- Transport and amenity. Proximity to the Metro stations at Macquarie Park, Macquarie University and North Ryde supports tenant demand, and valuers take it into account.
Areas We Cover
Macquarie Park, North Ryde, Ryde, Lane Cove West, Epping, Chatswood, St Leonards, Artarmon and the wider North Shore. We also work with business owners Australia-wide. For the full picture of how we structure property debt, see commercial property loans. If you're buying through super, see SMSF commercial property loans.
Macquarie Park Commercial Mortgage FAQs
Do you have an office in Macquarie Park?
Our office is in the Sydney CBD. We work with business owners and investors across Macquarie Park, North Ryde and the North Shore, and with clients Australia-wide.
What LVR can I get on a commercial property in Macquarie Park?
Typically 60% to 75% of value, depending on the asset type, the tenancy and whether you occupy it. Strata office and vacant space usually sit at the lower end.
Can I buy my business premises through my SMSF?
Often, yes, through a limited recourse borrowing arrangement, leased back to your business at market rent. Your accountant or adviser confirms it suits your fund.
Does using a commercial mortgage broker cost me anything?
On standard commercial property loans the lender pays us. Complex debt advisory can carry a separate fee, which we disclose before any work starts.
Buying or Refinancing North Shore Commercial Property?
Send the address or contract, the lease details and your latest financials. We'll tell you the realistic LVR, which lenders to tender and how the loan should be structured.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance AssessmentGeneral information only. It is not credit advice. Lending outcomes depend on the borrower, the property and the lender's assessment. Glenclair Financial is an independent commercial debt brokerage and authorised credit representative.