A commercial property loan can help fund the purchase of a business premises, refinance existing commercial debt, unlock equity or invest in commercial real estate. The right option depends on your goals, business needs and financial circumstances.
Sometimes growth means needing more space. Sometimes it means finding a better way to structure your finances. Whatever stage your business is at, the right lending solution can help you move forward with confidence.
What Is a Commercial Property Loan?
A commercial property loan is finance secured against a commercial property taken out by individuals, a business (such as one operating under a company, partnership or trust arrangement) or trust arrangements including SMSFs.
This may include properties such as:
- Office buildings
- Warehouses
- Factories
- Retail shops
- Medical or allied health premises
- Mixed-use properties
Commercial lending can differ from residential lending in several ways, including how income is assessed, deposit requirements and property considerations.
Bluestone Home Loans understands that every borrower comes from a different financial position, especially if they’re self employed. That’s why we take the time to understand the story behind the application and the applicant, not just the numbers on the page.
Buying Your Own Business Premises
Picture this… your business is growing and sustainable, now that lease is starting to feel like it’s not fitting your long-term goals.
Purchasing your own premises could provide:
- Greater control & consistency over your business location
- The potential to stabilise long-term operating costs over time
- Potential capital growth over time
- The opportunity to build equity in a commercial asset
For many business owners, owning their premises can be a part of their long-term business and personal wealth.
Whether you’re a self-employed borrower, company director or established business owner, it’s worth exploring what ownership could look like for your business.
Refinancing an Existing Commercial Property Loan
Your business may have changed since you first took out your loan. Refinancing can be an opportunity to review whether your current lending structure still aligns with your needs.
Depending on your circumstances, refinancing may help you:
- Consolidate existing business debt
- Improve cash flow management
- Access available equity
- Restructure your lending arrangements
Markets, businesses and goals evolve over time. A regular review of your finance arrangements can help ensure they continue to support where your business is headed.
Expanding Your Operations
Need more room to grow?
As businesses expand, property requirements often change too. A commercial property loan may help support:
- Additional business locations
- Larger warehouse facilities
- Distribution or logistics centres
- Expanded office space
- Purpose-built premises
The right property may create capacity for new opportunities, additional staff and future growth.
Investing in Commercial Property
Commercial property can also form part of a broader investment strategy.
Potential benefits may include:
- Rental income from tenants
- Portfolio diversification
- Long-term capital growth potential
From offices and retail spaces to industrial properties, commercial property investments can offer opportunities for investors seeking assets outside the residential market.
As with any investment, it’s important to conduct appropriate due diligence and seek professional advice where required.
Why Brokers Choose Bluestone
Bluestone commercial property loans are available exclusively through accredited brokers.
Brokers choose Bluestone because we understand that every borrower’s situation is different. Rather than relying on a one-size-fits-all checklist, we take the time to look at the bigger picture and consider a broader range of circumstances, including:
- Self-employed borrowers
- Alt doc income verification options for eligible applicants
- Complex business structures
- Borrowers with evolving financial circumstances
- Commercial owner-occupiers and investors
We work with your broker to understand your situation and explore solutions that align with your goals.
What Should You Consider Before Applying?
Every borrower’s situation is different, so it’s worth speaking with your broker first. They can guide you through your options and help identify a solution that aligns with your needs.
Deposit Requirements or LVR
Commercial property loans often require a deposit or equity contribution. Requirements can vary depending on the property type, borrower profile and lending scenario. Check out our Commercial Property Loans in detail here.
Cash Flow
Lenders will assess your ability to meet repayments based on your financial position and income sources.
Property Type
Different commercial property types can attract different lending criteria and loan parameters.
Common Questions
How long are commercial property loan terms?
Commercial loan terms commonly range from 15 to 30 years, depending on the property, borrower circumstances and lender policies. Check out Bluestone commercial property loan terms here
Are commercial property loans only for business owners?
No. Commercial property loans can support both commercial owner-occupiers and investors purchasing eligible commercial assets.
Whether you’re buying your first business premises, refinancing an existing commercial loan or planning your next stage of growth, the right commercial property finance solution can help open new possibilities.
Important information: The information presented is general in nature and does not constitute professional advice. Eligibility criteria, fees and charges, terms and conditions apply. Bluestone Servicing Pty Limited ACN 122 698 328 Australian Credit Licence 390 183 on behalf of the Credit Provider, Permanent Custodians Limited ACN 001 426 384.
