Who can apply for a Commercial Loan?

 

Commercial loans are available to individuals, partnerships, companies and discretionary trusts.  In the event that a mortgagor is a company or trust, the shareholders and beneficiaries are usually required to provide personal guarantees as part of the mortgage documentation.

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Investing in Commercial

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Commercial real estate can provide portfolio diversification, create tax benefits and build wealth.  

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Commercial property leases tend to offer more security than residential, you will generally require a larger initial deposit to fund a commercial property investment.  Most lenders offer a maximum Loan to Valuation Ration (LVR) of 70%, which means you would need a minimum deposit of 30% of purchase price plus costs.  Higher permissible LVR's up to 85% can be obtained for owner occupiers.

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Types of loans

• Interest only loans

• Principal & interest loans

• Mezzanine funding

• Private funding

• Low Doc Commercial loans

 

Types of commercial security​

• Construction / development

• Industrial

• Retail

• Residential

• Vacant land

• Leasehold

• Strata office