Premises for your business
Stop paying rent and own the building you trade from, with a loan matched to your cash flow.
Discuss a purchase Commercial Property
Commercial property, structured properly.
Buying premises for your business, adding a commercial investment or refinancing what you own. I'll find lenders who understand commercial assets and coordinate with your accountant so the structure works for the business.
For business purposes only
What we finance
Commercial lending looks at the property, the lease and the business together. Here is where I can help.
Commercial investment
Offices, retail, industrial or mixed-use property bought for rental income.
Talk investmentRefinance
A sharper rate, a longer term, releasing equity or consolidating facilities onto one lender.
Review my facilityWhat I handle for you.
You run the business. I manage the lender, the valuer and the paperwork.
- Lender selectionBanks and specialist lenders that suit the property type, lease profile and loan size.
- Lease and valuation reviewLenders weigh tenant quality and lease terms. I prepare the information before they ask.
- Structure with your accountantOwnership entity, guarantees and loan terms aligned with your business and tax advice.
- Business financialsYour statements presented clearly, with the story behind the numbers.
- SettlementCoordinated with your solicitor and the lender, end to end.
- Ongoing reviewFacilities checked as rates, the business and the lease change over time.
Rough repayments on a commercial loan
Commercial loans are priced individually. Use this for a broad estimate, then I'll source real terms from lenders.
All calculatorsClient reviews
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
How much deposit do I need for commercial property?
Lenders typically lend a lower percentage of the property value on commercial property than on homes, so a larger deposit or additional security is common. The exact amount depends on the property type, lease, location and your financial position.
What do lenders look at?
The property itself, the lease and tenant (for investments), your business's financial statements and tax returns, and your overall position including other debts and assets.
Can I buy through my company or trust?
Often, yes. The right structure depends on your circumstances, so I'll work alongside your accountant or solicitor before we apply.
Do I pay for your service?
For most loans, no. Lenders pay us a commission when your loan settles. Before we go ahead you'll receive our Credit Guide, which explains how we're paid. If a fee ever applies, it's disclosed in writing before you commit.
Worth a read.
Commercial property loans explained: how they differ from home loans
How commercial property loans work, why lenders assess them differently to home loans, and what documents and advice you'll need before you apply.
How brokers are paid: commissions, fees and your rights
How mortgage and finance brokers are generally paid, what the Credit Guide and credit quote tell you, and how the best interests duty protects home borrowers.
Found the right building? Let's talk finance.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Commercial lending is provided for business purposes only and is subject to the lender's credit assessment. Speak to your accountant about tax and structuring.