Commercial Property Finance

Smart commercial property loans and advice

Looking to invest in a commercial property?

Whether it be for your own company site, to rent out to tenants or develop, a commercial property loan can be complex, variable and are often negotiable. A Smartline commercial finance expert can guide you at every step and secure the right loan for you.

How can a Smartline commercial property finance specialist help me?

Offer expert commercial loan advice and guidance

Whether you’re buying an office block, a factory, a retail store or even a vineyard, your Smartline accredited commercial finance specialist is in your corner from start to finish providing the expert advice and answers you need to feel confident about every decision.

Make the whole process easy to understand

From loan types and terms, to bank fees and interest rates, they’ll walk you through scenarios and clearly explain how much you can borrow, the costs involved, the potential risks, and what to expect at each step on the way to owning your commercial property.

Find the right commercial loan

Your broker will walk you through the pros and cons of standard and short term commercial loans, the impact of loan sizes and security, LVRs and more. Then compare loans from a wide range of leading lenders to find the right one – so you never lose sleep worrying that you missed out on a better loan.

Get you prepared for loan assessment

Depending on whether your commercial property is an investment, owner-occupied, working capital or something else, the risk factor impacts the way loans are assessed by lenders. Your commercial finance specialist will make sure you’re in in the best position to get approval on the loan quickly.

Structure your loan smartly

An attractive interest rate is just one benefit of working with a Smartline commercial property finance specialist. They can also guide you on funding the deposit, making payments, ways to purchase the property and much more.

Meet with you and your accountant

To get an accurate picture of how your commercial purchase will affect your tax situation, your Smartline finance specialist will happily talk to, or meet with, you and your accountant to discuss the various loan options available, and the pros and cons of each bank’s offer.

Provide these services at no cost to you

You don’t pay us anything for your Smartline commercial finance specialist’s expertise, service and running around, because lenders pay us a commission once your loan is settled.

What type of commercial properties can I get a loan for?

We can help you get the right loan for just about any property, including:

Standard commercial properties

  • Offices
  • Factories
  • Warehouses
  • Retail space
  • Shop fronts

Specialist commercial properties

There are many types of specialty commercial properties that are harder to value. Some of the more popular categories include:

  • Aged/child care centres
  • Conference and function centres
  • Gyms and recreation centres
  • Hospitality – cafes, hotels, pubs, restaurants
  • Petrol stations
  • Rural – farms, vineyards
  • Supermarkets and shopping centres.

Choose the easy road to a better loan