Commercial Property Loan Brokers
Whether you’re looking to buy a commercial shed, warehouse, retail space, a building, pub, or even a farm, our commercial property loan brokers have you covered. Commercial property can have a reputation for market volatility, but the right property can provide far greater gains and yields than a typical Residential Property if you buy right. Our Commercial finance team has gained a reputation among our banking and business communities for getting the job done. Whether you plan to diversify your property portfolio or buy a premise for your business to trade out of, there are always multiple ways to structure your commercial loan and position your application with the banks.
Compare Commercial Loan Options & Lenders
We’ll spend the time to discuss your current needs and future plans to make sure you have a good understanding of the various options available, as well as the risks and tax implications you may need to consider. We’ll then tender your loan application to multiple banks and lenders to find the best rates and fees, combined with the most suitable loan terms that align with your current and ongoing needs. It’s important to us that you get the right loan, the first time.
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Types of Commercial Property Finance
We have specific lenders for Sunshine Coast commercial property purchases. We find the best lender for your acquisition, coupled with the best rates in Australia.
Owner Occupied Commercial Property Loans
If you’d like to own the building you operate from, our owner occupied commercial property loans are for you.
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Self Employed
Find the perfect home loan for self-employed borrowers. Don’t let being self-employed stop you from owning your home – explore our self employed home loan options today.
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Our Mortgage Brokers Plan For Better Rates
Applicants are profiled, based on a set of risk parameters, plus your interest rate and fee structure is based on this. Generally, we set these types of loans as short-term solutions, with the game plan to qualify for refinancing to a competitive mainstream bank as soon as possible.
We’ll even call you at various milestones to make sure you stay on track financially. You should never pay more interest than you have to, for any longer than you must.
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Personalised, Private Service
We are here to secure the perfect loan solution for you, so the first step is listening to what your financial needs and goals are.
There are so many lenders and loan products out there, so we ask the right questions to ensure that you are matched with a loan that suits your specific circumstances.
Best Loan Terms For Your Commercial Investment
When we establish what your needs are, we then use our knowledge of the loan market and lending policies to match you with a loan. We assess all of your loan options to work out which one is right for you.
We are also able to negotiate with the lenders on your behalf.
Leave The Hard Work To Us
After we present you with your options and you choose the solution that meets your needs, we do the paperwork, manage the application process and take it through to settlement.
Best of all, because this is what we specialise in, we get the process moving quickly. We use our relationships with lenders to secure your finance as fast as possible so that you can get into your new home sooner!
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Customer Reviews About Commercial Property Lending
Need a little reassurance that the Loanright team are the right mortgage brokers to work with? Hear it direct from our customers. This is a real feed from our Google Reviews.
Nicholas Hopkins
12/4/2024
Luke and his fantastic team will take care of everything, An honourable mention to Deb Moss for meeting me at 6 am at a BP station to sign docs on here day off to enable me to get the house I had been chasing for months. Ledgends. Have dealt with Luke and his team before and will use them again and again their service is second to none.
Amy Honeywill
6/12/2024
We have had the privilege, not once but twice of gaining the help from Brett and Alicia. They are nothing short of incredible with their fast responses, a wealth of knowledge and the emotional support we needed! Thank you both from the bottom of our hearts – our family appreciates the work and constant moving mountains x
Melissa Fairbrother
6/12/2024
Every experience with have with Brett and Alicia for all our lending needs have been so easy and they deliver every time. Transparency, efficiency and always happy to help. We recommend this duo to everyone for any lending needs. All the team at Loanright are truly amazing!
Daniel O’Dea
12/4/2024
Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.
Cassie McKee
12/4/2024
Luke and Shayna were awesome during the process of us buying our first home. So many things can be confusing during the process for first time and they were always happy to talk us through things no matter how small. Held our hand through the process and were able to get us into our first home. Very glad we found them. Highly recommend Loanright
Jack Jarvis
30/8/2024
Absolutely thrilled with the experience I had with Shayna and Sam!! From start to finish, they were incredibly nice, making the entire process not only smooth but genuinely enjoyable. They were exceptionally accommodating, always willing to answer my questions and adjust things as needed to fit my schedule. What really stood was how they made the whole experience fun, something I never thought I would say about securing a loan! Their professionalism was top notch, but their approachable and personable demeanour made all the difference. Highly recommend them to anyone looking for a top-tier loan broker who makes the process seamless and enjoyable!!!!!
Adrian Chrisanthou
12/4/2024
Thanks so much Brett for your professionalism and tenacity in regards to getting my deal done with loanright. I look forward doing business with you in the future as I found the experience seemless and timely. Keep up the great work Brett and team
Mellissa Lambert
17/1/2024
We’ve used the expertise of Luke, Shayna and the Loanright team on two separate occasions now, I must say their service is second to none and they get the job done In record time. No question was too silly, they always have time for us. Would use again and recommend in a heart beat to anyone else needing brokerage assistance. Many thanks.
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
Mika
6/12/2024
I was really a beginner to home loan and buying house but Shayna and Sam explained one by one and helped me to buy a house! I had a great experience with them and I highly recommend!
Rosalyn Taylor
12/4/2024
Brett and Alicia were a fantastic team to work with. Efficient, knowledgeable and supportive. They made the process so much easier than it could have been. Highly recommend!
Paul Brownsdon
6/12/2024
Our recent experience with Luke and the team was fantastic. Right from the start the communication and customer service was absolutely perfect. We’ll use loanright again, and would recommend them to anyone looking for finance.
FAQ’s About Commercial Property Lending
How much money can I borrow?
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
How much do I need for a deposit?
Most Australian lenders require you to have a minimum deposit of 30% of the purchase price, plus enough savings to cover your purchasing costs (eg. stamp duty and conveyancing).
If you’re not quite there yet, give us a call and we’d be happy to provide you with some pointers on saving more of a deposit or next steps. There are also some great home loan resources on our blog.
What will my repayments be?
There are so many different loan products, some with lower introductory rates, so we really need to talk to you to understand your needs, before we can quote your repayments. Talk to us today to see what’s currently on offer from our lending partners. We’ll work with you to find a loan set-up that’s right for you.
How often do I make home loan repayments — weekly, fortnightly or monthly?
Most lenders offer flexible repayment options to suit your pay cycle. We recommend that you aim for weekly or fortnightly repayments (as opposed to monthly). In doing so you will make more payments in a year, which will shave dollars and time off your loan.
What fees and costs should I budget for?
There are a number of fees and costs involved when buying a commercial property. To help avoid any surprises, the list below sets out the most common costs in commercial lending:
- Stamp duty — This is the big one. All other costs are relatively small by comparison. Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. Ask your Loanright Mortgage Broker to estimate your possible stamp duty charge.
- Legal/conveyancing fees — Generally around $1,000 – $1500, these fees cover all the legal requirements around your property purchase, including title searches.
- Building inspection — This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems, you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
- Pest inspection — Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
- Lender costs — Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
- Moving costs — Don’t forget to factor in the cost of a removalist if you plan on using one.
- Mortgage Insurance costs — If you borrow more than 80% of the purchase price of the property, you’ll also need to pay Lender Mortgage Insurance. You may also consider whether to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.
- Ongoing costs — You will need to include council and water rates along with regular loan repayments. It is important to also consider building insurance and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan.