Stage 4 · Commercial property finance
Stop paying rent. Own the building you trade from.
For a profitable business, the rent cheque is often the clearest case for buying. We model rent against ownership, settle the structure with your accountant, and finance it across 60+ lenders.
Who it’s for
Established owner-operators paying market rent on premises they could own, through a company, trust or self-managed super fund.
What we finance
- Owner-occupied commercial property
- Warehouses, offices, medical and retail
- Full doc and lease doc lending
- Self-managed super fund commercial property loans
- Refinancing commercial property
How we approach it
- Rent against ownershipWhat you pay now, what you would repay, and what the business can carry after settlement.
- Structure with your accountantCompany, trust or super fund, decided with the people who handle your tax.
- Planned past settlementSet up so the next property, inside or outside the business, is still possible.
The numbers behind it
Credit papers & lender submissions
Serviceability tested at the assessment rate and the add-backs explained, so the lender sees the real capacity.
Questions
How much deposit do I need for a commercial property?
Many lenders lend up to around 70% of a commercial property's value, and some go higher for strong owner-occupiers or with additional security. Allow for stamp duty and costs on top.
Can my self-managed super fund buy my business premises?
An SMSF can buy commercial property and lease it to your business at market rent. We arrange the loan; whether it suits you is a question for your accountant and a licensed financial adviser.
Is it better to rent or buy my premises?
For a profitable, settled business, owning can cost about the same as renting while building equity. We compare the two on your own numbers, including the deposit and duty you would need.
- The lease that breaks your covenant8 min read
- What lenders actually lend against8 min read
- Own or rent your business premises?9 min read
Next on the journey
Property outside the businessWe do not advise on setting up or using a self-managed super fund; speak to a licensed financial adviser.