What is the typical deposit required for commercial property?

Deposit requirements for commercial property are generally higher than for residential property. While criteria vary by lender and asset type, borrowers typically need a deposit of 20% to 35% (an LVR of 65% to 80%).

How is serviceability assessed for a commercial investment?

Lenders typically assess the rental income generated by the property, the strength of the lease agreement, and the quality of the tenant. An independent professional can explain how different lenders apply interest cover ratios (ICR) to your scenario.

PROPERTY FUNDING SOLUTIONS

Commercial Property Finance

Asset Connect Australia introduces businesses and investors to licensed commercial finance professionals capable of navigating complex commercial property transactions.

DISCUSS COMMERCIAL PROPERTY FINANCE

Asset Connect Australia is a connection platform. We introduce you to appropriately licensed, independent finance professionals who assess your needs. Finance products, eligibility, pricing, and approval are determined exclusively by the relevant provider.

WHAT TO EXPECT

Finance Connection Scenarios

Owner-Occupied Premises

Connect with specialists to explore finance options for purchasing the premises your business currently leases or plans to occupy.

Investment Property

We can introduce you to professionals experienced in structuring finance for commercial property investments, subject to lender criteria.

Warehouses & Industrial

Our network includes brokers familiar with the specific valuation and lending policies applied to industrial real estate.

Offices & Retail Spaces

Explore funding options for commercial office suites and retail storefronts across various Australian markets.

Navigating Commercial Property Finance

Commercial property finance is fundamentally different from residential lending. Lenders apply different loan-to-value ratios (LVRs), assess serviceability based on commercial lease terms or business cash flow, and often require specialized valuations.

Asset Connect Australia is a connection platform. We do not provide financial or investment advice, nor do we approve loans. We connect you with independent, appropriately licensed commercial finance brokers who can evaluate your scenario and negotiate with lenders on your behalf.

Understanding how lenders view different commercial asset classes (e.g., specialized vs. generic properties)
Exploring the impact of lease terms (WALE) on investment property funding
Navigating the differing LVR limits set by major banks and alternative commercial lenders
Please note: lending criteria are not universal. Available options vary according to the provider and the applicant’s circumstances.

Professional Guidance

Because commercial property transactions often involve significant capital and complex structuring (such as borrowing through an SMSF or specialized trust), engaging a professional is crucial. The independent specialists in our network can act as your intermediary in the commercial lending market.