Buying commercial property

A warehouse for your own business, an office, or a commercial investment. Commercial lending is assessed differently to a home loan, and the right structure matters as much as the rate. We read the property, the entity, and the tax position together, and walk you through from offer to settlement.

Is this right for you?

Who we help buy commercial property

You want to own your business premises

A warehouse, office, shopfront, or clinic. Stop paying someone else's mortgage and buy the space your business runs from.

You're not sure which entity should buy it

Personal name, company, trust, or SMSF. Each is taxed and financed differently. Our accountants and brokers work that out with you before you sign anything.

You're buying a commercial investment

Commercial yields and leases work differently to residential. We read the numbers, the lease terms, and the tax position together.

Your income is complex or self-employed

Business financials, trust distributions, or a mix. We present your position the way commercial lenders want to see it.

You want a guide through a slower process

Commercial deals move differently. Valuations, lender terms, and longer settlements, all managed so nothing catches you out.

How It Works

A clear path from a quote to the gear on your floor

Work Out The Structure

Before the property, the entity. We settle who should buy it, with the tax and lending position read together.

Confirm Your Position

We work out what you can borrow and present your financials the way commercial lenders assess them.

Match The Lender And Lodge

Commercial lenders differ on property type, loan terms, and appetite. We shortlist, lodge, and manage the questions.

Through To Settlement

Valuation, lender conditions, and the longer commercial timeline, coordinated with your solicitor through to keys.

Frequently Asked Questions

How is a commercial property loan different to a home loan?

Commercial loans are assessed on the property and the strength of the deal, not just your income. Deposits are generally larger, loan terms are often shorter, and rates and fees vary more between lenders than they do in home lending. Lenders also look hard at the property type and, for investments, the lease in place. We present the whole picture so the deal is assessed properly.

How much deposit do I need for a commercial property?

More than a residential purchase, and it moves with the property type, the entity buying it, and the lender’s appetite. A standard office or warehouse sits differently to a specialised property like a childcare centre or a pub. Rather than quote a figure that won’t match your deal, we work out your actual position early so you know what you need before you make an offer.

Should I buy the property in my own name, a company, a trust, or my SMSF?

It’s one of the most important decisions in the whole purchase, and it’s hard to unwind later. Each structure is taxed differently, financed differently, and treats risk differently. This is where having accountants and brokers in one team matters, because the answer depends on your tax position and your borrowing position at the same time. We work it through with you before anything is signed.

Can my business buy its own premises

Yes, and it’s a common path for established businesses tired of paying rent. The property can be owned by the trading entity or held separately and leased back to the business, and each route has different tax and risk outcomes. Some owners also explore buying premises through their SMSF, which has its own rules and lending limits.

Does the lease matter when buying a commercial investment?

A great deal. The lease terms, the tenant’s strength, and how long is left on the lease all shape what a lender will do and what the property is worth. A vacant commercial property is financed very differently to one with a strong tenant on a long lease. We read the lease alongside the numbers before you commit.

How long does a commercial property purchase take?

Usually longer than a residential purchase. Commercial valuations take time, lender due diligence runs deeper, and settlement periods are often negotiated longer to allow for it. The timeline moves with the deal’s complexity, so we map it out at the start and keep every party moving.

BUYING COMMERCIAL PROPERTY?

Have a conversation with us. We’ll tell you clearly where you stand.