Secure the right commercial property finance with clearer cash flow, smarter structure, and fewer surprises at settlement and tax time.
Commercial property finance isn’t just “a bigger mortgage” — lender policies, valuations, leases, and business financials can make or break an approval. We help Melbourne business owners and investors fund warehouses, offices, retail, and mixed-use assets with the right lender and the right structure. Because we’re also tax advisers, we design funding that works not only for approval, but for long-term tax, cash flow, and risk.
IS THIS RIGHT FOR YOU?
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You’re buying a warehouse, office, or retail site and you’re unsure how much deposit (and security) the bank will actually want.
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You’re weighing up buying in a company, trust, or personally and don’t want to structure it wrong from day one.
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You have a lease in place (or vacant possession) and you’re not sure how that changes valuation and borrowing capacity.
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You’re self-employed and your income doesn’t read “clean” on paper, even though the business is strong.
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You want to refinance to reduce rate, release equity, or consolidate business debts without hurting working capital.
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You’re considering an SMSF purchase and need to understand LRBA rules, timeframes, and lender limits.
HOW IT WORKS
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Strategy Session (Goal + Numbers)
We clarify what you’re buying/refinancing, your target loan amount, deposit, timeline, and the “must not break” items (cash flow, flexibility, tax outcomes). -
Document + Deal Readiness Check
We review financials, BAS, bank statements, existing debts, and the property details (contract, lease, outgoings, zoning, income profile). -
Structure + Scenario Modelling
We map entity/ownership options and repayment structures (interest-only vs P&I, facilities, offsets) so you can see trade-offs clearly. -
Lender Selection + Terms Negotiation
We shortlist suitable lenders based on policy fit (LVR, lease strength, industry, servicing) and negotiate pricing, covenants, and conditions. -
Application → Approval → Settlement Coordination
We manage valuation, credit questions, solicitor coordination, conditions, and settlement steps so it lands cleanly and on time.
WHAT MAKES US DIFFERENT
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Finance + tax strategy together → Your loan structure supports both approval and your long-term tax position, not just the cheapest rate.
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Policy-first advice → We filter lenders based on what they’ll actually accept (lease type, location, security, industry), reducing wasted time.
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Cash-flow protection mindset → We structure facilities so you don’t accidentally starve the business of working capital after settlement.
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Melbourne-market experience → We understand local valuation realities, zoning quirks, and the way different lenders view Victorian commercial assets.
Frequently asked questions
How much deposit do I need for a commercial property?
It depends on the asset type, lease strength, and borrower profile. Many deals sit around 60–80% LVR, but specialized properties or weaker leases may require more. We’ll give you a realistic range upfront so you can negotiate confidently.
Is it better to buy commercial property in a trust, company, or personally?
There’s no one best answer — it depends on asset protection, future plans, GST/land tax considerations, and how the debt will be serviced. We’ll map the options and explain the practical pros/cons before you commit to a contract.
What do lenders look at besides my income?
For commercial, lenders focus heavily on the property’s income (lease, tenant quality, WALE), valuation, location, and exit strategy. They’ll also assess your business financials, existing debts, and overall liquidity.
Can I get interest-only on commercial property finance?
Often yes, but it depends on lender appetite, your strength as a borrower, and the security/lease profile. Interest-only can support cash flow, but we’ll also discuss the long-term plan for principal reduction and refinance risk.
How long does commercial finance take from start to settlement?
A clean refinance can be relatively quick, while a purchase with a valuation, lease review, and lender conditions can take longer. We’ll set expectations early and manage the process so you’re not guessing — especially around valuation and credit approval timing.
Next Step
If you’re considering a commercial purchase or refinance, the best first move is a short strategy session to pressure-test the numbers and structure. You’ll leave with clarity on borrowing range, lender options, and what needs to happen next — no pressure to proceed.
Chat with DFG today
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