Ready to make
your next move?
Whether you're a business owner securing premises, an investor expanding a portfolio, or a health practitioner buying into a practice — we work with a wide range of lenders, which means access to policies and funding structures a single bank can't offer.
Tell us what you're looking to fund. Adrian will be in touch within 2 hours.
What we can
help you fund
Every situation is different. We take the time to understand your business, your assets and your goals before matching you with a lender whose policy actually fits.
Owner-occupied commercial property
Buy the premises your business already operates from, and build equity in your own asset instead of paying it to a landlord.
Commercial investment property
Retail, office, industrial or mixed-use, held alongside residential investment property as part of a broader strategy rather than for your own occupation.
High-LVR commercial lending
Commercial lending usually caps around 65–70% LVR. Depending on the lender and your circumstances, we can arrange funding to 90% of the property's value.
Buying a practice, or
the premises it sits in
Health practitioners are treated differently by lenders, and in your favour. Depending on your circumstances and the lender's policy, we may be able to structure funding for 100% of the purchase price plus associated costs.
Purchasing an established practice
Buying into or taking over an existing practice, where goodwill and patient base form much of the value rather than bricks and mortar.
Securing your own premises
Owning the building your practice operates from — alongside the LMI waiver on your own home — — often the single largest asset a practitioner builds outside their own home.
Growing an existing practice
Expanding rooms, adding a second location, or bringing in additional practitioners — funded against the strength of the practice.
Asset-rich, but
cash-flow constrained?
Commercial property investment isn't limited to individual properties. For investors holding significant assets but limited free cash, the purchase or refinance of an entire unit block can open doors a standard approach won't.
Assessed on the overall strength of your position and the underlying asset, not one narrow serviceability test.
Established health practitioners may access the full purchase price plus associated costs, subject to lender policy.
Purchase or refinance a whole block in a single commercial transaction rather than unit by unit.
Commercial policy varies enormously. Access to a wide panel is what turns a decline into an approval.
From first conversation
to settlement
What you're buying, how it's held, who occupies it, and where it sits in your wider position. Commercial lending turns on detail residential lending ignores.
Commercial policy varies enormously between lenders. The same deal can be declined by one and approved at 90% LVR by another — this is where a broker earns their keep.
Presented the way a credit team needs to see it, with the questions they'll ask answered before they ask them.
We manage the valuation, respond to conditions, and coordinate with your solicitor and accountant so settlement lands when it needs to.
Commercial
lending questions
Every commercial deal is different. Call Adrian on 02 4092 7075 to talk through yours.
02 4092 7075- Commercial lending commonly sits around 65–70% LVR, meaning a 30–35% deposit. However, depending on the lender and your circumstances, funding of up to 90% of the property's value can be arranged — and health practitioners may access up to 100% of the purchase price plus costs. The right lender makes an enormous difference to how much capital you need to commit.
- A home loan is assessed largely on your personal income. Commercial lending looks at the property, the lease, the strength of the tenant, and the performance of your business alongside your own position. That means a deal can succeed on the strength of the asset even where personal serviceability is tight — and it's why matching the deal to the right lender's policy matters so much.
- Yes, and it's common for business owners and health practitioners. An SMSF can acquire business real property and lease it back to your own business on commercial terms — one of the few situations where a fund may deal with a related party. The structure has strict rules, so it needs your accountant and financial adviser involved alongside the lending. We arrange the finance; they confirm the structure suits your circumstances.
- In some circumstances, yes. Certain lenders treat established health practitioners as low risk and will fund the full purchase price plus associated costs, subject to their policy and your position. It depends on your profession, qualifications, experience and the practice being acquired. It's not automatic — but it's available often enough to be worth checking before assuming you need a deposit.
- Buying a block in one line is usually cheaper per unit than buying them individually, and it's a single transaction rather than several. Lenders treat it as a commercial deal, which changes how it's assessed — the rental income across the block forms part of the case. For investors who are asset-rich but cash-flow constrained, that assessment can work in your favour where a standard residential approach wouldn't.
- Longer than residential — typically four to eight weeks from application to settlement, depending on the complexity of the deal and how quickly valuations come back. Deals involving goodwill, unusual security or multiple entities take longer. The single biggest time saver is getting the structure right before submission, rather than reworking it after a decline.
Let's talk about
your next move
With access to multiple lenders and a broad range of commercial policies, we can help you explore what's actually possible — not just what one bank will allow.