Buying premises for your business or financing a commercial investment? FI Collective helps you understand the lending options available for your proposed property.
Commercial property lending differs from residential lending. The property, its intended use and the financial position of the borrower can all affect a lender’s assessment.
We’ll discuss your plans, existing commitments and proposed security, then help you prepare the information needed to explore suitable finance. The aim is to understand the structure and obligations of the loan before proceeding.
Discuss purchasing or refinancing commercial premises.
Compare suitable loan structures and lender requirements.
Support the application through to settlement.
Buying commercial property involves more than finding the right location. Whether it’s an office, warehouse or retail premises, the property’s use, valuation and income potential can influence the finance available.
For premises occupied by your business, consider how repayments fit alongside operating expenses. For a leased investment, the rental income, lease conditions and potential vacancy periods also matter. Loan terms, fees and any ongoing review requirements should be understood before you commit.
FI Collective helps you explore suitable lending options through our lender panel and prepare for the application process. We work with you to understand how the proposed purchase fits your business or investment plans.
Yes, owner-occupied commercial lending is well established and is one of the most common reasons businesses come to us. Lenders assess the property, your business performance and the contribution available. We will help you prepare the case and compare commercial property loan lenders.
Commercial lending usually requires a larger contribution than a home loan, often in the range of 20% to 35% depending on the property, its use and the lender. Some transactions can instead be structured using additional security. We will give you a realistic figure for your specific purchase early on.
Yes, subject to the lender’s assessment. An existing lease can help demonstrate rental income, but lenders may also consider the remaining lease term, tenant and property valuation. Having a tenant does not guarantee approval. We’ll help you identify the lease and financial information needed for your application.
Refinancing may be an option if you want to review your rate, repayment structure or loan terms. The lender will assess the property, your financial position and any relevant rental income. It’s important to weigh potential benefits against valuation, legal and discharge costs, plus any applicable break costs, before deciding to switch.
Not sure where to start? Tell us what you’re planning, and our team will help you understand your finance options and what comes next.
