PROPERTY INVESTMENT

Commercial property investment, whether a single asset or a growing portfolio, demands finance structured around tenancy profiles, asset class, and long-term capital strategy. We arrange commercial mortgages, industrial and office property loans, and mixed-use facility funding. Alasdair's executive banking background means he assesses deals through the same lens lenders use, then negotiates terms that protect your capital position across major banks, non-banks, and private credit.

Commercial property investment in Australia is priced off the lease, not the building. Lenders begin with the tenant covenant, the weighted average lease expiry (WALE) and the asset class. A fully leased metro industrial facility on a seven-year lease is a very different risk to a secondary office tower carrying vacancy and large incentives. Since APRA tightened commercial real estate settings, the major banks typically hold investment LVRs around 65% to 70% and apply interest-cover covenants of roughly 1.5 to 2.0 times, tested at assessment rates well above the actual coupon. That gap is where private credit and second-tier lenders have taken share, funding higher gearing, shorter WALE or transitional assets for a margin.

State land tax, which is levied per owner and escalates steeply in NSW and Victoria, quietly erodes net yield and belongs in the serviceability model from the outset, alongside GST treatment, the margin scheme and Division 43 depreciation. Office has repriced hard, while industrial, large-format retail and supermarket-anchored neighbourhood centres remain lender favourites. We package the rent roll, outgoings and a defensible valuation brief, then run a full tender so you see bank and non-bank structures side by side, comparing not just headline rate but line fees, non-utilisation fees, review triggers and how each lender treats a lease expiry mid-term. The aim is leverage that still works after a re-let, not just at settlement.