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:
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.
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.
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.
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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.
Commercial property finance is a type of loan used to purchase, refinance or develop property that is used for business or investment purposes. Commercial property loans are commonly used to buy offices, warehouses, retail premises, medical suites and other income-producing properties.
A commercial property is generally any property used for business activities or to generate rental income. This can include office buildings, retail shops, warehouses, industrial units, factories, hospitality venues and some mixed-use developments. The exact definition can vary between lenders.
Commercial property finance may be available to business owners, company directors, self-employed borrowers, trusts, SMSFs and commercial property investors. Eligibility depends on factors such as income, business performance, credit history, deposit size and the type of property being purchased.
The amount you can borrow will depend on the lender’s criteria, the property type, your financial position and how the property will be used. In many cases, lenders may offer up to 60 to 80 per cent of the property’s value, although this can vary depending on the strength of the application.
Most lenders require a deposit for commercial property loans, often ranging from 20 to 40 per cent of the purchase price. Some borrowers may also need to cover additional costs such as stamp duty, legal fees and valuation fees. The exact deposit required will depend on the lender and the level of risk involved.
There are several types of commercial property finance available, including loans for purchasing an owner-occupied property, commercial investment property loans, refinance loans, development finance and bridging loans. The right option will depend on your goals, cash flow and the property itself.
Yes. Many borrowers use commercial property finance to purchase premises for their own business, such as an office, warehouse, showroom or retail space. Buying your own premises can provide greater control over your location and may help you build long-term equity.
Yes. Commercial property finance is usually assessed differently from a residential loan. Commercial property loans often have different deposit requirements, interest rates, loan terms and approval criteria. Lenders may place more emphasis on the property’s income potential and the borrower’s business or investment profile.
As a Brisbane-based finance broker, we have in-depth knowledge of the local market and a wide network of lenders.
Decades of expertise in personal and business borrowing means you benefit from a deep understanding of the lending market.
We’re passionate about what we do and always strive to deliver a great client experience.
We take the time to understand your financial situation and goals, offering bespoke solutions that truly meet your needs.
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