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
Get Free Commercial Property Consultation
Proudly Partnering With
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
-
1Business & Property Assessment
Evaluate your business financials, cash flow, and target property to determine lending readiness.
-
2Lender Matching
Connect with commercial lenders suited to your industry and property type.
-
3Loan Structuring
Design a finance solution aligned with your business goals, cash flow requirements, and repayment capacity.
-
4Settlement & 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
Retail Properties
Industrial Properties
Mixed Use Properties
Development Sites
Accommodation
Commercial Property Loan Considerations
Important factors to understand when financing commercial property
Higher Deposit Requirements
Commercial loans typically require 30-50% deposits, higher than residential property loans.
Business Serviceability
Lenders assess your business cash flow and ability to service the loan from business income.
Property Valuation
Professional commercial valuations required, considering income potential and market comparables.
Longer Settlement Times
Commercial loans take longer to process due to complex due diligence and documentation requirements.
Personal Guarantees
Most commercial loans require personal guarantees from business owners and directors.
Interest Rate Structures
Commercial rates are typically higher than residential, with various fixed and variable options available.
Commercial Loan Structures
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
Thompson & Associates
"We needed to expand our manufacturing facility quickly. PFSL secured fast approval on our industrial property loan and we were able to complete the purchase within 6 weeks."
Auckland Manufacturing Ltd
"Our retail business was growing and we found the perfect shop to purchase. PFSL structured the loan perfectly and we now own our prime retail location in Ponsonby."
Boutique Fashion Store
Commercial Property Finance Questions Answered
How much deposit do I need for a commercial property loan?
Commercial property loans typically require 30-50% deposit, higher than residential properties. The exact amount depends on the property type, your business financials, and intended use. Owner-occupied properties may require lower deposits than pure investments. Each situation varies significantly, so we recommend contacting our team for an assessment based on your specific circumstances.
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.
What types of commercial properties can you finance?
We can arrange financing for office buildings, retail properties, industrial facilities, warehouses, mixed-use properties, development sites, and accommodation properties like hotels and motels. Each property type has different lending criteria and specialist lenders. Our team has experience across all commercial property types and can match you with the right lender.
How long does it take to get commercial property finance approved?
Commercial loans typically take 6-8 weeks to process due to complex due diligence requirements including property valuations, business financial assessments, and legal documentation. Some straightforward deals can be faster, while complex transactions may take longer. We manage the process to keep things moving as quickly as possible.
What are the typical interest rates for commercial property loans?
Commercial property interest rates are typically higher than residential rates, usually ranging from 6-9% depending on factors like loan amount, deposit size, property type, and your business’s financial strength. We work with multiple lenders to secure competitive rates for your situation.
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