Owner occupied premises
Buying instead of leasing, assessed on your business earnings as well as the asset.
Overview
Commercial property lending runs on different assumptions to residential. Loan to value ratios are lower, terms are shorter, and the lender is often more interested in the lease covenant than in the building.
A single strong tenant on a long lease can change the terms available dramatically. So can a vacancy that has been there six months.
Who this suits
- Buying premises your own business will occupy
- Purchasing a leased commercial investment
- Refinancing a commercial loan approaching the end of its term
- Buying through a self managed super fund or trust
- Holding a property with vacancy or a short remaining lease
What we help with
Investment and lease doc
Where the rental income supports the debt, some lenders will assess on the lease rather than full financials.
Refinance and review
Commercial terms expire. Reviewing well before expiry gives you options rather than a deadline.
Before you go further
The detail on this page is general information, not credit assistance or personal
advice. What applies to your situation depends on your income, assets, liabilities
and objectives. Call 0413 321 141 and we will work through the specifics.
Common questions
How it works
Initial Consultation
We discuss your goals, financial position and borrowing requirements.
Compare Loan Options
We compare suitable lending solutions available through our approved lender panel at the time of assessment.
Application Support
We prepare and submit your application while keeping you informed.
Settlement
Once approved, we assist through settlement and remain available for ongoing support.