Commercial Property Finance
Commercial Property Finance with Greenbridge Finance
Greenbridge Finance assists clients with commercial property finance for a range of property types including offices, warehouses, retail properties, factories, and other commercial premises. Whether you are purchasing a property for your business to operate from or buying a commercial property as an investment, we can help arrange suitable finance options.
Commercial property loans are different from residential loans, and lending policies, deposit requirements, and loan structures can vary between lenders. Greenbridge Finance helps you navigate these differences and find a suitable lending solution.
Purchasing a Commercial Property
Clients purchase commercial properties for different reasons, including operating their own business from the property or purchasing a property as an investment and leasing it to a business.
Commercial properties may include:
Office buildings
Warehouses
Factories
Retail shops
Medical suites
Industrial properties
Mixed-use properties
Greenbridge Finance can assist with finance for both owner-occupied commercial properties and investment commercial properties.
Owner-Occupied Commercial Property Loans
An owner-occupied commercial property loan is used when your business operates from the property you are purchasing. In many cases, lenders may consider both the business income and personal income when assessing the loan.
Benefits may include:
Potential long-term business premises
More control compared to leasing
Potential property value growth
Rental savings compared to leasing a premises
Greenbridge Finance can help structure the loan based on your business financials and overall financial position.
Commercial Investment Property Loans
Commercial investment property loans are used when purchasing a commercial property that will be leased to a tenant. The lender will generally consider the rental income from the property as part of the loan assessment.
Key factors lenders consider include:
Rental income and lease terms
Property location and type
Loan to value ratio (LVR)
Borrower income and financial position
Business financials (if applicable)
Greenbridge Finance can help present the application to lenders and explain their requirements.
Commercial Loan Features
Commercial property loans can be structured in different ways depending on the lender and borrower requirements.
Commercial loan features may include:
Variable or fixed interest rates
Interest only loan options
Principal and interest loan options
Loan terms usually between 15–30 years
Offset accounts (some lenders)
Line of credit options (in some cases)
We help structure the loan to suit your business and investment strategy where possible.
The Commercial Loan Process
Greenbridge Finance will guide you through the commercial property finance process:
Discuss the property and your financial position
Review business and personal financial information
Determine borrowing capacity and loan structure
Submit commercial loan application
Property valuation and lender assessment
Formal approval
Loan documents and settlement
Commercial loans usually take longer to assess than residential loans, so early preparation is important.
Why Use Greenbridge Finance
Commercial lending can be more complex than standard home loans, and lender policies can vary significantly. Greenbridge Finance works with a range of lenders and helps prepare and present the loan application to improve the chances of approval.
We assist with:
Loan structuring
Lender selection
Application management
Communication with lenders
Ongoing support for future lending
Speak With Greenbridge Finance
If you are looking to purchase a commercial property for your business or as an investment, Greenbridge Finance can assist you in reviewing your situation and arranging suitable commercial property finance options.