Get Expert Support Securing Commercial Property Finance
Commercial property investment is a complex financial strategy that should be tailored to reduce your risk and maximise your return. That's why it pays to get the support of experts that can save you time and money and help you avoid costly mistakes.
At Sapphire Finance, we specialise in helping Australian businesses and investors access tailored commercial property finance solutions. Whether you’re looking to purchase, refinance or develop a commercial property, our experienced team is here to guide you through the entire process.As a trusted commercial property finance broker, we work closely with banks, non-bank lenders and private financiers to secure the most competitive commercial property loans for your specific needs.
What Is Commercial Property Finance?
Commercial property finance refers to loans specifically designed for purchasing, developing or refinancing non-residential properties.
These properties include:
- office buildings
- retail spaces
- warehouses
- industrial sites
- hotels and motels
- medical and childcare facilities
- mixed use properties.
Unlike residential loans, commercial property loans are structured differently and are typically tailored to meet the specific needs of businesses or investors looking to buy or improve commercial real estate. We can help with find full doc or low doc loan options including purchasing a property as an individual, through a trust or company or through a SMSF. Whether you’re an investor seeking rental returns or a business owner looking to buy your own premises, finance for commercial property can help bring your goals to life.
Who Is Eligible For A Commercial Property Loan?
Eligibility for commercial property finance largely depends on the borrower’s financial standing and the nature of the business or investment. Generally, the following groups can apply:
Business Owners
Whether you're a small business owner looking to buy your first office space or an established company expanding its operations, talk to us about securing commercial property finance.
Property Investors
If you're looking to invest in commercial property it pays to understand the risks and benefits as well as the loan options that best suit your circumstances. Talk to us about property investment finance.
Property Developers
Specialist property development finance can help bring your vision for a property to life, whether it be for land acquisition, construction costs, renovation or conversion of residential or commercial properties.
Why Use A Commercial Property Finance Broker?
.jpg)
The complex nature of Commercial Property Loans means that it pays to have someone in your corner who understands the finance options. That’s where Sapphire Finance comes in. We compare a range of lenders and finance products to find the loan that best suits your requirements. With our expertise, you can secure the right finance option, at the best rates, with terms that align with your business goals.
Local expertise is key when it comes to understanding the Brisbane market. Our finance broker is not only an expert in commercial finance but also possesses in-depth knowledge of the local business landscape. This enables us to provide advice and finance solutions that are specifically tailored to Brisbane-based businesses.
We have strong relationships with a wide range of lenders, from major banks to specialised financial institutions. This allows us to find solutions that meet the unique demands of your business, no matter the size or industry.
How Does Commercial Property Finance Work?
Unlike residential lending, commercial property loans are assessed based on the property’s potential income, your business’s financial position, and the strength of your proposal. Loan terms, interest rates and deposit requirements can vary widely depending on the lender and the type of property involved.
Key features may include:
- Shorter loan terms typically from 3-15 years
- Fixed or variable interest rate options
- Interest-only or principal & interest repayments
- Loan-to-value ratio (LVR) usually between 60%–80%
- Security required against the commercial property or other assets
What Qualifies As A Commercial Property?
Commercial properties are generally those used for business purposes or intended to generate income. Examples of commercial properties include:
Office Spaces: Buildings or complexes used for professional or administrative purposes.
Retail Outlets: Shops, malls or individual stores designed for retail activities.
Industrial Properties: Warehouses, manufacturing plants or distribution centres.
Mixed-Use Developments: Properties that combine residential, commercial and retail spaces.
Hospitality Properties: Hotels, motels, and other accommodation services.
.svg)
