Commercial property mortgage - Commercial mortgage lending

The finance group have proven experience in commercial property mortgage for more than 6years. We have resolved complex commercial mortgage lending requirements for numerous clients with clean credit or bad credit history. We believe our experience is our asset and provides our clients confidence for the client to find best commercial mortgage lending options. We are offering various tailored commercial property mortgages through all banks, non bank and private lenders. Infinite amount of commercial finance available depending on type, quality and location of the property case by case basis. We assess commercial property mortgages full doc, low doc and no doc basis. Client can have commercial mortgage lending against commercial and residential properties from 3 months term to 30 years term depending on type of security, degree of credit impairment and available proof of income. Commercial finance also available against Vacant land, rural properties. Single or multiple residential and commercial constructions, development all purpose considered case by case basis. Please review bellow indicative commercial mortgage lending offers for different types of commercial property mortgage on this page.

Call 1800 88 LOANto speak to one of our Senior Mortgage Adviser'sabout the solutions we have for your commercial mortgage lending requirements.

If you are looking for: ( fast short term 1st or 2nd mortgage, Long term)

  • Commercial bank loans ( Full doc or Low doc)
  • SMSF commercial property ( Full doc only)
  • Commercial low doc loans ( bank or non bank loans defaults considered)
  • Commercial construction loan ( single or multiple, full doc, low doc, no doc minor default considered)
  • Commercial land loans ( Full doc, Low doc defaults considered)
  • Commercial business loans against residential property
  • Commercial line of credit
  • Private mortgage lending
  • fixed rate commercial mortgage ( Bank loans)
  • Business loan bad credit
  • Short term business loan ( 3 months-3 years 1st or 2nd mortgage)
  • Commercial building loan
  • Commercial finance ( bank and non bank mortgage or other credit facilities)
  • Property investment commercial

We have specialized solutions according to your present financial situation and commercial mortgage lending requirements. We strongly recommend please submit an online inquiry to tell us about your situation and ensure you receive afaster assessment of your commercial property mortgage application.

Commercial interest rates : (Commercial property mortgage - Commercial mortgage lending)

All interest rates are approximate only for specific circumstance. All rates for commercial property mortgage are reviewed by lender monthly basis and varies according to risk & return factors. We strongly recommend please submit an online inquiry for better understanding of your commercial mortgage lending requirements and faster assessment of your application to get a quote.

LVR & Property type

Loan Amount

Interest rate (Approximate)

Typical requirements

Up to 80% Residential property only

$500k Max @ residential rate.

3y Fix-5.19%

Var-5.7% package discount available.

Over 60% loans require LMI. Full doc only no construction no land. 15 years term with 5 years interest only.

Up to 80%

Full /low doc

Commercial & Residential

Full-Max-1.5mil

Low Doc Max

1mil

From 7.3%

Most recent quarter BAS for low doc loans not older than 4 months.

Up to 75% Low doc Commercial security.

Full Doc - $5 million (70% LVR)

$1 million (75% LVR)

Lo Doc - $2 million (70% LVR)

$2 million (75% LVR)

No Doc - $2 million

3y fix-7.14%

Var 8.49%

8.74%

7.39%

Recent 6 months trading account statements for low doc, accountant declaration for No Doc.

80% No doc commercial Construction Loan ( default OK)

Up to 1.5 Mil for multiple construction

9.35%-10.45%

12 Months ABN and accountant declaration only. Risk fee 1.25-.1.5%. Commercial construction is for 2 years I/O term.

Limited credit impairment considered.

70% No Doc commercial ( default OK)

Up to $1.5Mil

Max $1 mil if cash out

8.70%-9.2%

12 Months ABN and accountant declaration only. Risk fee 1.25-.1.5% up to 5 years term. Max 2 years term if cash out involve. Credit impairment considered case by case basis.

65%(Commercial)

80% (Residential)

Min-50k

No Maximum

VAR-9.08%

LOC-9.08%

VAR-7.30%(Resi)

3Y Fixed-5.99%

Loan term 2-15Y. I/O 5 years

75% P/I Full doc

70% I/O Full doc

60% Low Doc

Min-$250k

Maxi-2 Mil

VAR-6.93%

LOC-8.28%

3YFix-6.48%

Commercial security,15Y Max, I/O-5Y, Low doc( no tax return), no development or construction, Extra repayment, redraw;

70% for Commercial

80% for Residential

60% Low doc

$10k-$1mil

>1Mil on application

VAR-6.73%

LOC-7.20%

3YFix-5.99%

For commercial security add 0.5% and for Low doc add 0.5% rate load. Blend of both will calculate the rate for greater portion. 15Y,25Y and 20Y for blend.

65% Commercial

80% Residential

20k-no max

Max1mil for LOC

VAR-7.89%

LOC-7.01%

3YFix-6.25%

15y Comm, 25Y Resi, 10Y for other,

70% Commercial

70% Residential

50kMin

VAR-6.8%

LOC-8.91%

3YFix-5.97%

15YComm,30YResi. Fixed rate not for property.

We strongly recommend please submit an online inquiry for better understanding of your commercial property mortgage requirements and faster assessment of your application. To read more visit our commercial mortgage broker page.

Commercial bank loans (commercial property mortgage-Commercial mortgage lending):

Commercial bank loans offered by all major banks and 2nd tire lenders. The finance group have access to all banks to offer best possible solutions for the clients. Commercial bank loans can be secured by commercial building, ware house, shop, retail out late, commercial land, free hold or lease hold commercial properties, residential properties etc. We offer up to 80% commercial bank loans for eligible clients with eligible securities for commercial property mortgage. We also offer full doc and low doc commercial bank loans. Maximum loan term is 15-25 years for commercial property mortgage and up to 30 years term for residential property mortgage. Client can refinance their existing commercial or residential facilities to get a better deal or to get cash out to use any worthwhile purpose. We are offering full doc and low doc refinance options for commercial bank loans. For commercial mortgage lending when client offer eligible residential securities, we can offer them higher LVR loan with longer term.

For commercial business loans for purchase of business is assessed based on type of the industry, quality and location of the security. We accept both lease hold and free hold security depending on industry. Client can also use collateral security to cover the deposit amount. Commercial mortgage lending can be a viable options for client who would like to purchase a new business. Commercial property mortgage can raise most of the amount to purchase the business if it is a free hold commercial property. Client can also use their residential properties to offer as collateral security with commercial property mortgage. In this way client get up to 100% of the fund to purchase the new business without any deposit.

For franchise business purchase different bank have their own list of approved franchise to finance. Depending on the industry and type of security we offer tailored solutions for client comparing all offers from all banks. As a result client always get the best deal available for them. Commercial mortgage lending to purchase franchise largely assessed based on industry, brand, business valuation done by approved authorities. Bank usually require minimum of 2 years full financials, projected cash flow and business plan of the buyer to order valuation of the business. Client also need to have a solid background with work experience to have their purchase application approved. According to lenders commercial mortgage lending requirements if any free hold or lease hold commercial property involved, it will have to be comply with lending guideline.

Clients can get benefited refinancing their existing commercial property mortgage in different structure. Using low doc or full doc commercial bank loans client can

  • get a better deal with flexible features
  • get cash out for working capital
  • get cash out to purchase business equipments
  • can use the equity of the property for renovation and development.

When clients have credit issues or critical loan requirements that does not fit with commercial bank loans policy requirements we usually offer the client alternative solutions through private mortgage lending. We have access to numerous private banks and mortgage funds for commercial property mortgage. No matter how critical is your commercial mortgage lending requirements is we always have a viable solution for you.

We strongly recommend please submit an online inquiry for better understanding of your commercial mortgage lending requirements and faster assessment of your commercial property mortgage application.

Private mortgage lending (Commercial property mortgage-Commercial mortgage lending)

Private mortgage lending offered by 10 private lenders and numerous mortgage funds for eligible commercial and residential properties. Private mortgage lending can be assessed full doc, low doc and no doc basis supported only by accountant letter. We accept different degree of credit impairment issues case by case basis for Private mortgage lending.

Depending on type, location and quality of the security Private mortgage lending available up to 50%-80% LVR against commercial building, vacant land, ware house, shop, retail out late, commercial land, free hold or lease hold commercial properties, residential properties etc. Private lending for commercial property mortgage is available maximum up to 80% of property value, where residential property mortgage available up to 90% of property value.

Click here to read more about full doc residential mortgage offers.

Click here to read more about low doc residential mortgage offers.

Click here to read more about No doc residential mortgage offers.

For clients with credit impairment issues most of the time we offer 12 months to 5 years term interest only private mortgage lending in different LVR. Client can recover from their temporary credit impairment issues, cash flow problems using this short term private mortgage lending. Client can pay off defaults and tax debts using this option of commercial property mortgage.

For residential securities we offer long term solutions for credit impairments issues. Client can consolidate business debts, refinance commercial loans against residential properties to get cash our for any worthwhile purpose. As a result private mortgage lending is some time most suitable option for some clients with critical commercial mortgage lending requirements.

We strongly recommend please submit an online inquiry for better understanding of your commercial mortgage lending requirements and faster assessment of your commercial property mortgage application.

Commercial construction loan (commercial property mortgage-Commercial mortgage lending):

Commercial construction loan available through bank and non bank commercial property mortgage lenders. We offer single constructions, multiple constructions, development loans full doc , low doc and no doc basis. Up to 80% of gross value of commercial construction can be accepted case by case basis. Loan amount is from $750k to $15 mil available for commercial construction purpose.

We are offering 80% LVR commercial construction loans only with accountant letter and also accept minor credit impairment issues.

We strongly recommend please submit an online inquiry for better understanding of your loan requirements and faster assessment of your application.

Business loan bad credit : (Commercial property mortgage - Commercial mortgage lending)

Business loan bad credit is mainly a private lending offer for clients who does not have perfect credit history. Over past years we have resolved critical problems for numerous clients who had problem of default, arrears, bankruptcy on their personal or company credit history. Business loan bad credit is a secured lending option for clients who need funds to operate their business. Business loan bad credit can be secured by acceptable plant and equipments, residential or commercial property, approved invoices etc. The finance group accept any degree of credit impairment issues for business loan bad credit.

Business loan bad credit secured by existing plant and equipments can be a viable option for eligible clients. We can do loans full doc or low doc basis depending on available proof of income. Please visit our specialized equipment finance website to find offers for business loan bad credit using existing equipments of the business.

Business loan bad credit available for eligible clients who would like to use their residential property as security. The finance group have option to do both residential and commercial loans against residential securities.

Application process ( Commercial property mortgage - Commercial mortgage lending)

A short term or long term commercial property mortgage application can be settled within 1-2 weeks time depending on promptness of all parties. For long term commercial property mortgage we allow 2-3 weeks to settle the loan. For first mortgage against commercial property we usually allow some extra time because of valuation process some time takes longer than usual. The following application process is indicating usual time frame for application and settlement. Client who need to have loan settled in 1 week of less might charged higher interest rate for their loan.

We have 3 step application process to offer you commercial property mortgage.

Step 1: Initial interview or email conversation to commence fact find process and request all supporting documents for the loan. We contact lender and discuss with the loan proposal to have initial advice about approval of the loan if there is any critical issues. Make the client aware about initial indication for a successful commercial property mortgage application. Client receives a written credit quote with loan proposal to make educated decision how they like to proceed.

Step 2: Complete full assessment for commercial property mortgage, sign up client with credit contract and provide all paper works they need to sign. After receiving signed credit quote and loan application we submit the application without any delay to have the loan approved in requested time frame. Above assessment process can be done in very short time frame (24-48 hours) if client is committed to provide all documents and proceed with application.

Step 3: Submit application to the lender and keep contact with all parties to secure the approval and settlement of the commercial property mortgage application.

At every stage of the above process we keep contact with all parties via email, text, phone and provide verbal and written update about the progress.

Submit an online inquiry to get a quote for commercial property mortgage application.

Because of our simplified online base application process client always get flexible options to participate on commercial property mortgage application. We always expect have a minimum commitments from the client when they involve our time to offer service to them. Our dedicated team involve potential time to contact lending sources to arrange best possible commercial property mortgage loan offer for the client at our cost.

In some cases we request clients to pay us some amount of commitment fess before we process the formal paper works for the lender after issuing indicative offer for commercial property mortgage. The commitment fee for application depends on negotiation in-between our company and client depending on their financial situation.