Commercial Property Loans

Home
>
Mortgage Broking
>
Commercial Property Loans

Are you looking to build wealth through property investment? At Tanti Financial Services, we understand that investing in property is a significant financial decision. We offer a range of investment loan solutions to help you kick-start or expand your property portfolio. Whether you’re a first-time investor or looking to grow your existing portfolio, our experienced team can guide you through the process.

What is a Commercial Property Loan?

A commercial property loan is specifically designed for purchasing business premises or commercial investment properties. These loans differ from residential mortgages due to their unique structure and requirements. They can be used for various commercial properties, including:

Office buildings
Retail spaces
Industrial warehouses
Manufacturing facilities
Mixed-use developments

Understanding Key Terms and Features

Loan-to-Value Ratio (LVR)

The Loan-to-Value Ratio (LVR) represents the percentage of the property’s value that may be borrowed. For example, with an LVR of 70% on a $1,000,000 property, the maximum loan amount would be $700,000, requiring a $300,000 deposit plus additional costs.

LVR ranges typically vary based on:

Property type and usage
Lender criteria
Property location
Lease arrangements
Business type and financial strength

Common Loan Features

Subject to lender criteria and assessment, commercial loans may offer:

Principal and interest repayments
- Where you repay both the borrowed amount and interest over the loan term
Interest-only periods
- Where you pay only the interest charges for a specified period, typically 1-5 years
Variable interest rates
- Where the interest rate may change over the loan term
Fixed interest rate options
- Where the interest rate remains unchanged for a specified period

Documentation Requirements

Typical documentation required may include:

Business Documents

Business tax returns (usually 2 years)
Financial statements (usually 2 years)
Business Activity Statements
Current year-to-date financials
Business plans (if required)

Personal Documents

Tax returns (usually 2 years)
Asset and liability statement
Bank statements
Identification documents

Property Documents

Contract of sale
Valuation report
Lease agreements (for tenanted properties)
Council approvals (where relevant)

Benefits of Commercial Property Loans

Securing the right commercial property loan can provide significant advantages:

Business Growth Opportunities

Build business equity through property ownership
Control over your business premises
Potential for property appreciation
Asset for business growth

Investment Benefits

Income generation through commercial tenants
Portfolio diversification
Potential tax advantages (consult your tax professional)
Long-term wealth creation opportunity

When to Consider a Commercial Property Loan

Commercial property loans might be suitable if you’re:

Looking to purchase premises for your business
Wanting to invest in commercial real estate
Planning to expand your business operations
Considering a mixed-use development
Diversifying your investment portfolio

Commercial Loan Process with Tanti Financial Services

Our experienced team will guide you through each step of the commercial lending process:

Initial Consultation
- Understand your business or investment goals
- Review your financial position
- Assess property requirements
Strategy Development
- Determine the most suitable loan structure
- Review different commercial property options
- Analyse potential returns and costs
Loan Assessment
- Compare various lender options
- Review loan features and terms
- Identify the most appropriate solution
Application Preparation
- Guide you through documentation requirements
- Prepare comprehensive application
- Ensure compliance with lender criteria
Application Management
- Submit and manage your application
- Liaise with lenders on your behalf
- Handle any additional requirements
Settlement Coordination
- Coordinate with all parties
- Manage the settlement process
- Provide guidance on completion

Our Commercial Lending Services

Expert Guidance We provide tailored advice based on your specific commercial property needs and objectives.

Comprehensive Support

Access to multiple lenders
Experienced commercial loan specialists
Ongoing support throughout the process

Professional Management

Streamlined application process
Expert negotiation with lenders
Efficient settlement coordination

Why Choose Tanti Financial Services for Your Commercial Loan?

When you partner with our team, you benefit from:

Specialised commercial lending expertise
Access to a range of lenders and loan options
Professional guidance throughout the process
Understanding of commercial property markets
Commitment to finding the right solution for your needs

Ready to Discuss Your Commercial Property Plans? Contact Tanti Financial Services today to explore your commercial property loan options. Our experienced team is ready to help you achieve your commercial property goals.

Tyron and Bec went above and beyond any of our expectations to secure us our first home loan and were incredibly helpful every single step of the way. Couldn't recommend these guys more. The best. Thank you both for all your effort and patience.

Tyron from Tanti Financial Services was outstanding. when it came to our home loan, he really understood what we needed and how money works. I have dealt with mortgage brokers in the past. However, nothing compares. Tyron's added qualifications as a financial planner elevated the advice he provided with structuring our loans. I also can't forget about his support staff. Rebekah & Riya were amazing in looking after our application from start to finish. I was always kept in the loop and would recommend them to anyone..

What is a commercial property loan?

A commercial property loan is specifically designed for purchasing business premises or investment properties that will be used for commercial purposes.

What deposit is typically required?

Deposit requirements vary between lenders and depend on factors including the property type, location, and intended use. Generally, commercial properties require a larger deposit than residential properties.

What costs should I consider beyond the deposit?

Additional costs may include:

Legal fees
Valuation fees
Lender application fees
Stamp duty
Building inspection costs
Insurance

Can I use my SMSF to purchase commercial property?

Yes, Self-Managed Super Funds can purchase commercial property subject to meeting specific regulatory requirements and lender criteria. This requires specialised loan structures and professional advice.

A Financial Team Across All Divisions