Smart commercial property loans and advice
Commercial property loans can be complex. They’re also variable and, often, negotiable. A Smartline commercial finance expert can provide advice at every step and do all the work to secure the right loan for you.
What type of commercial properties can you get a loan for?
Whether it’s for your own company site, to rent out to tenants or develop, a Smartline Adviser can help you get the right loan for just about any property, including:
- Standard commercial properties
- Retail space
- Specialist commercial properties.
We can also help you with commercial properties that are harder to value, such as:
- 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.
How we help you
Offer expert commercial loan guidance
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 everything 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 a suitable 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 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.