Secure Your Business Future with Commercial Property

Expert commercial property finance in Auckland. From office buildings to retail spaces, we help businesses secure the right property with optimal financing.

  • Build business equity

  • Specialist lender access

  • Business security

  • Flexible loan structures

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Benefits of Owning Commercial Property

Commercial property ownership offers significant advantages for businesses and investors looking to build long-term wealth.

Build Business Equity

Stop paying rent to landlords and build equity in your own business premises. Your mortgage payments become an investment in your future.

Investment Benefits

Build long-term business equity while securing your operational base with competitive commercial lending solutions.

Business Security

Own your premises and protect your business from rent increases, lease disputes, and forced relocations.

Commercial Property Finance Process

Specialized approach to securing commercial property finance

  • 1
    Business & Property Assessment

    Evaluate your business financials, cash flow, and target property to determine lending readiness.

  • 2
    Lender Matching

    Connect with commercial lenders suited to your industry and property type.

  • 3
    Loan Structuring

    Design a finance solution aligned with your business goals, cash flow requirements, and repayment capacity.

  • 4
    Settlement & Handover

    Coordinate final documentation and settlement for a smooth property acquisition process.

Commercial Loan Structures

Flexible financing options tailored to your business needs

Office Buildings

Professional office spaces, medical centers, and corporate headquarters with flexible financing options.
Owner-occupied or investment
Multi-tenanted buildings
Strata title units

Retail Properties

Shops, shopping centers, restaurants, and retail spaces with specialized retail lending expertise.
High street retail
Shopping center units
Hospitality venues

Industrial Properties

Warehouses, factories, distribution centers, and industrial facilities with specialized industrial lending.
Manufacturing facilities
Distribution centers
Storage facilities

Mixed Use Properties

Properties combining commercial and residential uses with complex financing requirements.
Retail with apartments
Office with residential
Complex structures

Development Sites

Land for commercial development with specialized development finance and construction loans.
Commercial development
Mixed use projects
Subdivision potential

Accommodation

Hotels, motels, serviced apartments, and accommodation facilities with hospitality lending expertise.
Hotels and motels
Serviced apartments
Tourism properties

Commercial Property Loan Considerations

Important factors to understand when financing commercial property

Higher Deposit Requirements

Plan for substantial deposit

Commercial loans typically require 30-50% deposits, higher than residential property loans.

Business Serviceability

Strong financials essential

Lenders assess your business cash flow and ability to service the loan from business income.

Property Valuation

Income approach important

Professional commercial valuations required, considering income potential and market comparables.

Longer Settlement Times

Allow 6-8 weeks minimum

Commercial loans take longer to process due to complex due diligence and documentation requirements.

Personal Guarantees

Understand guarantee implications

Most commercial loans require personal guarantees from business owners and directors.

Interest Rate Structures

Compare rate structures carefully

Commercial rates are typically higher than residential, with various fixed and variable options available.

Commercial Loan Structures

Flexible financing options tailored to your business needs
Owner-Occupied Loans

Finance for properties where your business will occupy 50% or more of the space. Often better rates and terms.

Investment Property Loans

Financing for commercial properties purchased as investments, with rental income supporting the loan.

Development Finance

Specialized funding for commercial development projects with progress payment structures.

Refinancing Options

Refinance existing commercial loans to access better rates, release equity, or improve loan terms.

Commercial Loan Calculator

Commercial Property Success Stories

Real businesses we’ve helped secure commercial property

Commercial Property Finance Questions Answered

We answer the most frequently asked questions about securing finance for your business property.

Can my business qualify for a commercial loan without a long trading history?

Yes, but lenders will assess your business’s current cash flow, projected income, and financial statements more carefully. Personal guarantees or additional security may be required for newer businesses. Some lenders specialize in working with newer businesses. The key is demonstrating strong cash flow and repayment capacity – our team can help present your application in the best light.

Ready to Secure Your Business Property?

Get expert commercial property finance guidance and build your business equity

Available 7 days a week • No cost, no obligation