Commercial Investment Property Finance

Finance commercial property as an investment with the right lending structure.

Buying or refinancing a tenanted office, warehouse, retail property or industrial asset? I compare commercial lenders, assess the lease and rental position, and structure the finance around the property, borrower and investment strategy.

See what lenders assess
What I can help with

Commercial investment finance built around your strategy

Whether you're purchasing your first commercial investment or expanding an existing portfolio, I help structure finance to suit your long-term investment goals.

  • Purchasing a tenanted commercial investment property
  • Refinancing an existing commercial investment loan
  • Releasing equity to fund future investments
  • Expanding an existing commercial property portfolio
  • Purchasing through an individual, company, trust or SMSF where appropriate
  • Structuring facilities to suit your investment strategy
  • Working alongside your accountant and conveyancer throughout the transaction
How lenders assess the deal

The lease can be just as important as the property

For commercial investment properties, lenders assess both the property itself and the quality of the income it generates. I compare lenders that best suit the property, lease structure and your investment objectives, rather than simply recommending the lender with the lowest advertised rate.

The property's location and intended use
The current tenant and lease terms
The remaining lease length
Rental income and lease security
The property's value and marketability
Your available deposit or equity
The ownership structure
The financial documents available
Your overall financial position and existing commitments
Documentation pathways

Different properties can suit different lending pathways

Depending on the property, tenant, lease and overall transaction, lenders may assess commercial investment applications using different documentation options.

Lease Doc

Some lenders place significant emphasis on the property's lease, rental income and tenant profile. Where suitable, this may reduce the amount of personal or business income evidence required.

Full Doc

Applications supported by current financial statements, tax returns and other standard income documentation generally provide access to the widest range of lenders.

Alt Doc

For self-employed investors, some lenders may accept alternative income verification such as BAS, business bank statements, interim financials or an accountant's declaration.

I assess which documentation pathway best suits your investment and compare lenders accordingly. For a broader overview, see the commercial property finance guide.

Why Freedom Financing

Looking beyond the interest rate

The right commercial investment loan is not always the one with the lowest advertised rate. I compare the complete facility, structure and lender fit.

  • Comparing options across more than 20 commercial lenders
  • Matching lenders to the property, lease and borrower profile
  • Reviewing the overall cost of the facility, not just the interest rate
  • Working with your accountant and conveyancer to support the wider transaction
  • Explaining lender requirements and conditions in plain English
  • Managing the application through to settlement with a single point of contact
Frequently asked questions

Commercial investment property finance questions

Yes. Most commercial lenders will consider rental income, although the amount used and the assessment method vary depending on the lease, tenant and lender policy.

The required deposit depends on the property, lease strength, borrower profile and lender. Additional equity from other property may also be used in some circumstances.

Potentially. Eligible commercial property may be purchased through a self-managed super fund where it meets the relevant lending and superannuation requirements. Independent accounting and legal advice should always be obtained.

Yes. Refinancing may reduce costs, improve flexibility, release equity or better align the loan with your investment strategy, subject to lender assessment.

Approval timeframes vary depending on the lender, valuation, lease review and documentation available. Starting the process early is recommended where contract deadlines apply.
Talk through your investment plans

Review the property and finance structure early

I can assess the property, lease, available contribution, ownership structure and documentation, then explain the likely lending pathways.