Commercial Property Finance for Long-Term Wealth and Business Growth
- Get better mortgage advice
Strategic Funding for Commercial Property Investments
Whether you’re a business owner looking to purchase your premises, an investor expanding your portfolio, or a developer seeking project finance, commercial property loans require specialised expertise.
At YMB, we help Australia businesses and investors:
- Finance owner-occupied commercial properties for your business
- Secure investment loans for office, retail, industrial or mixed-use properties
- Structure development finance for commercial construction projects
- Optimize existing commercial loans with better terms and rates
Commercial Property Finance Solutions for Every Need
- Owner-Occupied Commercial Loans — Purchase your business premises with favourable terms and potential tax benefits
- Commercial Investment Loans — Finance income-producing properties with loan structures designed to maximise returns
- Construction & Development Finance — Fund commercial builds with staged progress payments and specialised lender support
- Commercial Refinance — Restructure existing loans to improve cash flow, access equity, or secure better rates
- SMSF Commercial Property Loans — Purchase commercial property through your self-managed super fund with compliant lending
- Mixed-Use Property Finance — specialised lending for properties with both commercial and residential components
Commercial Property Finance Expertise That Makes a Difference
- Specialised commercial lending knowledge across diverse property types and structures
- Direct access to 40+ lenders, including major banks, second-tier and private funders
- Strategic advice that considers your business goals, tax position and long-term plans
- Expertise in navigating complex ownership structures including trusts, SMSFs and companies
- Ongoing support throughout the entire application, settlement and review process
Specialised commercial lending knowledge across diverse property types and structures
Direct access to 40+ lenders, including major banks, second-tier and private funders
Strategic advice that considers your business goals, tax position and long-term plans
Expertise in navigating complex ownership structures including trusts, SMSFs and companies
Ongoing support throughout the entire application, settlement and review process
Testimonials
YMB secured my first home loan with the best rate possible! The process was smooth and stress-free.
Highly professional and efficient! They guided me through every step and found the perfect loan for me.
I was struggling with my mortgage options, but YMB made it so easy! Super helpful and friendly team.
Highly professional and efficient! They guided me through every step and found the perfect loan for me.
Our Commercial Property Finance Approach
1. Initial Consultation
We understand your commercial property goals and current financial position
2. Finance Strategy
We develop a tailored commercial lending strategy with lender recommendations
3. Application Management
We handle complex documentation, financial analysis, and lender negotiations
4. Settlement & Beyond
We manage the settlement process and provide ongoing review and optimization
Commercial Property Loan Questions? We've Got Answers.
Commercial property loans typically have higher interest rates (1-2% above residential), lower loan-to-value ratios (usually 50-80% LVR), shorter loan terms (10-30 years), and more complex assessment criteria focused on the property’s income potential and your business financials.
Most commercial lenders require a minimum 25-35% deposit, though this varies based on property type, location, and intended use. Strong applications with premium property types may secure up to 80% LVR, while specialised property types might require 40%+ deposits.
Yes, SMSFs can purchase commercial property with specific lending structures. The property can even be leased back to your business at market rates, creating potential tax advantages. However, these loans require careful structuring to maintain compliance with superannuation regulations.
The commercial loan process typically takes 4-8 weeks from application to settlement, longer than residential loans due to more complex due diligence. This includes property valuation (1-2 weeks), credit assessment (2-3 weeks), and documentation/settlement (1-3 weeks).
You’ll typically need 2-3 years of business financial statements, tax returns, entity structure details, commercial lease agreements (for investment properties), detailed property information, and a clear explanation of how the property fits your business or investment strategy.
Yes, interest-only periods of 1-5 years are common for commercial property loans, particularly for investment properties or development projects. This structure can improve initial cash flow, though principal and interest terms may offer better rates.
The optimal ownership structure depends on your tax situation, liability concerns, and long-term plans. Companies offer liability protection and potential tax advantages, trusts provide flexibility and estate planning benefits, while personal ownership may simplify lending. We work with tax professionals to determine the best structure for your situation.
Commercial Property Finance Tailored to Your Goals
From straightforward commercial purchases to complex development projects, we’ll help you navigate the commercial lending landscape with confidence and clarity.
The information on this website is general in nature and does not constitute personal financial, legal, or tax advice. Please consult a licensed financial adviser, tax professional, or legal adviser before making any financial decisions.
YMB provides credit assistance and lending structuring services only. We do not provide personal financial advice or tax advice.