Owner-occupied property
Finance for eligible premises used by the borrower’s operating business.
Commercial Property & Business Finance
Commercial finance structured around the complete transaction.
Finance guidance for business owners, investors and professionals purchasing, refinancing or funding eligible commercial requirements.
Property and business financeTransaction-led assessmentSuitable lenders compared
Commercial finance pathways
Funding built around the asset, business and purpose.
Commercial lending can support different transactions. The suitable structure depends on the purpose, borrower, security and financial position.
Commercial investment
Finance for eligible income-producing commercial property acquisitions or refinances.
Business acquisition
Funding considerations for eligible business purchases and related transaction requirements.
Business-purpose lending
Facilities for eligible growth, working capital or other defined commercial requirements.
How commercial lending is assessed
The transaction and the underlying strategy both matter.
Commercial lenders can assess the same proposal differently. Property, contribution, business performance, experience and the purpose of the facility may all influence the outcome.
Commercial loan terms, pricing, security and documentation vary by lender and transaction. All finance is subject to lender assessment, valuation and individual circumstances.
✓Property or securityAsset type, use, location, condition, valuation and marketability.
✓Contribution and LVRBorrower contribution, proposed loan amount and lender-specific leverage limits.
✓Business financialsRevenue, profitability, balance sheet, liabilities and cash-flow position.
✓Lease incomeLease terms, tenant profile and rental income where investment property is involved.
✓Borrower experienceRelevant industry, business, property or investment experience.
✓Loan purpose and structureThe commercial objective, proposed facility and repayment strategy.
How LNO Mortgages helps
Bring the finance strategy into focus early.
We take time to understand the proposed transaction and the underlying business or investment strategy before approaching suitable lenders.
Understand the proposal
Discuss the purpose, property or business, borrower structure, contribution and timing.
Review lending readiness
Assess available financials, security, servicing, experience and supporting documents.
Compare suitable lenders
Consider lender appetite, structure, pricing, loan terms and key requirements.
Coordinate the application
Prepare and progress the agreed lending approach through assessment and settlement.
Commercial property finance
Different property types require different lending approaches.
Property use, tenancy, location and asset characteristics can affect valuation, leverage, pricing and lender appetite.
Business premises
Owner-Occupied Commercial Property
Finance for eligible premises occupied by the borrower’s own operating business, subject to business performance and lender requirements.
- Business financial position
- Property and valuation details
- Borrower contribution
- Proposed ownership and loan structure
Investment
Commercial Investment Property
Finance for an eligible commercial property held as an investment, with the asset, lease and borrower position considered together.
- Lease terms and rental income
- Tenant and property profile
- Loan-to-value position
- Borrower servicing and experience
OfficesWarehousesIndustrial PropertyRetail PremisesMedical FacilitiesChildcare & Early LearningOther Eligible Property
Discuss your commercial transaction
Tell us what you are looking to finance.
Share a few initial details about the property, business or purpose. The LNO Mortgages team will contact you to discuss the information needed for a preliminary lending review.
Phone0413 219 624
Service areaCastle Hill, the Hills District, Greater Sydney and Australia-wide
Commercial lending FAQs
Useful answers before you proceed.
Terms and requirements vary depending on the transaction, security, borrower and lender.
How is a commercial loan different from a residential loan?
Commercial lending can involve different assessment methods, loan terms, pricing, property requirements and documentation. Lenders may place greater emphasis on the transaction purpose, security, business financials, lease income and borrower experience.
How much deposit is needed for commercial property?
The required contribution varies by lender, property type, purpose, valuation, borrower strength and proposed structure. Acquisition costs and any working-capital needs should also be considered when planning the transaction.
What documents may a commercial lender request?
Depending on the proposal, lenders may request business financial statements, tax returns, bank statements, lease information, property details, contracts, business plans, asset and liability information and evidence of the borrower contribution.
Can you finance both owner-occupied and investment property?
Yes, finance may be available for eligible owner-occupied business premises and commercial investment property. The assessment and suitable structure differ depending on how the property will be used and held.
How is rental income treated for commercial investment property?
Lenders may consider the lease, tenant, rental income, remaining lease term, outgoings and property characteristics. The treatment of lease income and required supporting evidence varies between lenders.
Can LNO Mortgages help refinance an existing commercial loan?
Yes. We can review the current facility, security, business or investment position, objectives and potential refinance costs before comparing suitable lender options, subject to assessment.
Commercial finance should reflect the transaction—not just the property.
Book a confidential, no-obligation discussion with Mohit Gupta about your commercial property or business-finance requirements.
