Owner Occupied Commercial Property Loans
Step into the future of your business with our Owner Occupied Commercial Property Loans. Tailored to empower your ambitions, we offer competitive rates, flexible terms, and a team of experts dedicated to finding the perfect fit for your business’s unique needs. Our approach is about more than just finance; it’s about understanding your vision and crafting a loan that not only meets but exceeds your expectations. With LoanRight, you’re not just acquiring property; you’re setting the stage for your business’ next big leap forward.
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A Place For Your Business To Call Home
Imagine a space that’s not just a workplace but a cornerstone for your business’s growth and success. Our financing solutions are designed to transform this vision into reality, providing your business with a sanctuary where ideas flourish and potential is realised. We understand the importance of a space that reflects your business ethos and supports your operational needs, and our bespoke financing options are crafted to ensure your business finds its perfect home.
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Your Experts in Commercial Property Loans
Dive into the commercial property market with confidence, backed by a team of seasoned experts at LoanRight. We navigate the complexities of commercial loans, delivering personalised guidance, insightful market analysis, and strategic financing solutions. Our expertise is your advantage, ensuring you make informed decisions with clarity and confidence. With LoanRight, you gain more than a loan; you gain a partnership committed to your business’s success.
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A quick video about our Mortgage Brokerage on the Sunshine Coast
How We Help With Commercial Loans
Our Process – What to expect
Getting a home loan isn’t always a walk in the park—it can be a bit of a process, but if you team up with one of our mortgage brokers, we’ll have your back every step of the way, making sure you’re on the right track from the get-go.
- Initial chat: We begin with a general chat to discuss your business and property goals and how we can assist, ensuring we understand the full scope of your business needs, and the type of property you are looking to occupy.
- Collection of information: We’ll guide you through the straightforward process of gathering all necessary documentation, ensuring everything is in order for the next steps.
- Workshop the deal: In this collaborative phase, we’ll refine your financing options, ensuring the proposed solution aligns perfectly with your business objectives and requirements.
- Submit for approval: With your ideal deal structured, we’ll proceed to submit your application, advocating for the best possible terms and conditions on your behalf.
- Settlement: The final step where your loan is finalised, marking the beginning of an exciting new chapter for your business with the resources it needs to thrive.
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Supporting You Through The Transaction
From the initial consultation to the final handshake, LoanRight stands with you through every step of the commercial property transaction. Our support is comprehensive, ensuring every detail is handled with precision and care. We’re here to demystify the process, provide timely updates, and address any concerns, making your journey to ownership as smooth and stress-free as possible. With LoanRight, you’re never alone in the transaction process; you have a dedicated ally every step of the way.
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Unlocking Your Business Potential
Unlock the full potential of your business with strategic financial solutions from LoanRight. Our commercial property loans are more than financial instruments; they’re catalysts for growth, innovation, and stability. We work closely with you to understand your business dynamics, market challenges, and future goals, crafting a financing solution that aligns with your vision. With LoanRight, your business’s potential knows no bounds.
Building More Than Just Buildings
At LoanRight, we believe in building legacies, not just buildings. Our approach to commercial property loans encompasses a holistic view of your business’s role in the community and its future legacy. We’re not just financiers; we’re co-creators of success stories, committed to helping your business lay down roots that will support not only your operations but also contribute to the community’s growth and vitality. With LoanRight, your property becomes a beacon of your business’s enduring success and contribution to the local landscape.
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Customer Reviews & Comments
Instead of talking our private lending team up, please take a moment to read the our customer reviews from Sunshine Coast locals. This is a direct feed from our Google business reviews, so you know all comments are 100% genuine.
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.
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
Brenden Barber
6/12/2024
Norrie and the team as always were outstanding with their services. Highly recommend and will use again in the future.
Matt Fairbrother
6/12/2024
Another deal made easy Brett and Alicia. They are so quick to respond and move the deal along. We couldn’t be happier with them. Thanks again!
Ashley Pearce
12/3/2024
Luke and the team helped us with a refinance and we couldn’t be happier with the result. I would highly recommend the Loanright team to anyone.
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.
Aran Elkington
6/12/2024
I had a fantastic experience working with Brett and the team! Their professionalism, expertise, and attention to detail made the entire process seamless and stress-free. I highly recommend their services to anyone and would definitely choose them again in the future.
Tim McGary
12/4/2024
OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.
Wade Bubner
6/12/2024
Amazing team. Shayna and Deb were both very patient as we worked through a few things but in the end worked with us and found us the best option that suited our situation. I highly recommend the team at 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!!!!!
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!
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!
Frequently Asked Questions About Commercial Lending
What qualifies as an owner occupied commercial property?
An owner occupied commercial property is one where the business owner also owns the premises and uses a significant portion for their own operations, typically over 50% of the total space.
How do owner occupied commercial loans differ from investment property loans?
Owner occupied commercial loans often have more favourable terms and interest rates since they’re considered lower risk than investment property loans, given the owner’s vested interest in maintaining the property as well as their guaranteed tenancy.
What are the typical terms for an owner occupied commercial loan?
Loan terms can vary widely but generally include periods up to 25 years, with interest rates and terms depending on the lender, property type, and borrower’s financial health.
Can I use an owner occupied commercial loan for renovations, fitouts, or expansions?
Yes, these loans can be used not only for purchasing but also for renovating or expanding your existing commercial property to better suit your business needs.
How much deposit is required for an owner occupied commercial loan?
Most banks will typically want to see a 30% deposit plus enough funds to cover any purchase costs, however if it makes sense to go higher, borrowing as much as 100% of the value of the property can also be achieved and this will depend on the financial strength of the trading entity and/or the borrower. Our commercial experts will be able to give you a good indication of the minimum deposit requirement based on your own unique circumstances and position.
Can I buy an owner occupied commercial premises in my SMSF
Yes, this is a common way to purchase a commercial property for your business to operate out of. Banks will still need to make sure that your business can afford the rent that it plans to pay your SMSF. Rent must be in line with market value and will be assessed annually during your SMSF audit.
Enquire About Owner Occupied Commercial Loans
Where traditional lenders have strict lending criteria, private finance tends to cut through the red tape. If you’d like more information about accessing funds for business finance, commercial or residential property development or purchasing, our private money partners are eager to hear about your business plans. Please contact us for a confidential discussion, and we’ll happily assist.