Commercial Loans

Buying a commercial property can be complex. Work with our experts to ensure you are informed and in control of the process.

If you decide to invest in commercial property, it’s important to have professional advice from a finance broker and check with your accountant about the tax implications before you begin. We’re here to help you structure your loan the right way and do all the legwork to help you obtain finance to suit your current financial circumstances and future goals. There’s so much more to know and understand if you’re interested in buying a commercial property, so please get in touch today.
Commercial Loans

What is a commercial loan?

When you are looking to invest in retail property, a factory or an office, its likely you will require a commercial loan. A commercial loan is generally secured by the commercial property, and operate slightly differently to your standard home loan.

Working through your lending options can be an overwhelming process. Our commercial loan specialists will be able to cut through the jargon and present you with clear advice and competitive product options.

Why invest in commercial property?

Whether you’re a seasoned investor looking for a new opportunity, or you’re after other ways to get your foot on the property ladder, a commercial property investment may be worth considering.

In this article, we explore the reasons why people venture into commercial property investing, and some of the areas to be aware of. And if you do decide to go down the commercial route, we can hook you up with an investment loan that suits your situation and objectives!

1) Attractive yields

If your focus is on generating income from rent, investing in commercial property may be the way to go. Commercial properties typically return a much higher rental yield than residential properties – usually upwards of 7% return. In comparison, the average residential rental yield across Australia’s capital cities fell to 3.2% in February 2017. (Rental yield percentages are calculated on the amount of rent compared to the cost of the property).

Additionally, the costs of owning and managing a commercial property are usually lower, because most of these costs are covered by the tenant.

2) Potential to target growth areas

Commercial property investment often provides the opportunity to capitalise on growth areas, both in terms of location and the business economy. For example, a recent report by Deloitte identified that our future business economy is likely to expand rapidly in the areas of communication, technology, hospitals a wide area of other health industries, food processing, private schooling and education

Connect with our Commercial Loan experts

Albert Kavcic

Albert Kavcic

Finance Broker
John Empey

John Empey

Finance Broker
Matt Mannaert

Matt Mannaert

Finance Broker
Matthew Papuga

Matthew Papuga

Finance Broker
Minji Kim Korean Mortgage Broker

Minji Kim

Finance Broker
Richie Kasai

Richie Kasai

Finance Broker
Russel Shaw

Russel Shaw

Finance Broker
Sally Whitworth

Sally Whitworth

Finance Broker

Types of Commercial Lending.

01

Investing in retail property

02

Investing in office space.

03

Investing in an agricultural property.

The Commercial Loan application process

Step 1
Connect with us
Contact one of the brokers listed to book an appointment. Appointments can be completed over the phone, over email, via an online video call, or in our offices.
Step 2
Initial Discussion
We'll chat through your current situation and objectives. Our broker will gather the information required to be able to recommend the correct structure and products for your situation.
Step 3
Recommendations
If appropriate our broker will recommend the loan products for you to consider. The proposal will include lender details, interest rates, set up fees and any ongoing fees. Your broker will then guide you through each recommended option to help you decide on your preferred path forward.
Step 4
Application
If you decide to proceed, our broker will help with the paperwork to submit your application to the chosen lender.
Step 5
Valuation
The bank will instruct an independent valuation firm to value the security property.
Step 6
Approval
If the lender is satisfied with the application, they will approve it and instruct their solicitor to prepare the loan offer documents.
Step 7
Loan Offer Documents
Loan documents will be sent to you to review and sign. We can guide you through this process.
Step 8
Settlement
Once the loan offer documents are returned, the lender can proceed to settlement.
Step 9
Ongoing care
Your Acceptance Finance broker will guide you through this complete process, and be available to help with any queries you may have in the future.

Need to connect

with a broker?