Buying commercial property is different from residential lending.
Here’s what you need to know.
How Commercial Loans Differ
✔ Larger deposits (usually 20–30%)
✔ Higher interest rates
✔ Shorter loan terms (15–25 years typical)
✔ More detailed financial assessment
What Lenders Look For
- Business financial statements
- Cash flow strength
- Lease agreements
- Industry risk profile
Loan Types
- Owner-occupied commercial loans
- Investment commercial loans
- Interest-only options
- Construction commercial finance
Why Structure Matters
Correct structuring can:
- Improve tax efficiency
- Protect assets
- Enhance long-term growth
Commercial lending requires strategy — not just approval.
👉 Planning to purchase commercial property? Speak with our team.