100% Commercial Property Loans

Latest fantastic news! We can arrange upto 100% loan for business clients for buying the commercial property they operate from. If you already own the property you can use its equity for further business acquisitions. 

With current low interest rates, yield on commercial property investment  is much better than what has been during past some years. This is making many residential property investors shift to investing in commercial properties.

A good option to keep repayments  low is to arrange as much deposit as cash or in the form of equity on another preferably residential property. Your loan on residential property will be at lower interest rate & payable  generally over 25 years thus making the repayments low.

With our thorough understanding and extensive experience in this area, we have got crazy deals from banks for our clients. Contact us and we will make your commercial property financing a pleasant and most beneficial experience.  


Investment Commercial Property

A commercial property is considered as an Investment Commercial Property if it is not occupied  by the owner and rented out to someone else. Banks, these days, usually lend 65% of the purchase price for buying an investment commercial property  and loan is payable up to a maximum of 15 years. Remaining 35% has to be buyer’s deposit in the form of cash or equity in another  property. Banks  consider lending more than 65% also if you have good sources of income to service debt.

As rent  is not always sufficient to repay the debt, you invariably require other sources of income to repay the loan. The value appreciation of the property over a period of time more than compensates these excess expenses over the property. With our extensive experience and understanding of banks' requirements for such lending, we can advise you as what best deal we can arrange for you.

Call us on 09 6253800 for a no obligation chat or enquire online and we will come back to you within 48 hours. Choice of right type of finance can make all the difference to your property investment strategy.

Owner Occupied commercial property

For most businesses rent is one of the major  business expense that contributes little to the long-term wealth of either the business or its owner.

• The Rent you are paying is making someone else wealthy. Then why not stop paying rent and buy the premises.

• Owning your business premises will ensure stability of your business and also eliminate risk of landlord increasing rent  at lease renewal.

We can help you to become landlord from tenant  by arranging up to  100% finance to buy your business premises against your cash flow. We can also arrange finance for construction or extension of  your existing business premises.

Banks’ mainly  require a record  your three years business profitability and stable cash flow to service the debt.  While calculating debt servicing, banks take into account your income from all sources.

A good option to keep repayments  low is to arrange as much deposit as cash or in the form of equity on another preferably residential property as your on residential property will be at lower interest rate.

Call us on 09 6253800 for a no obligation chat to discuss your needs and goals or enquire online and we will contact you immediately


Interest Rates on Commercial Property

Interest Rates on commercial property are higher than residential property lending rates by usually 1 to 2% depending upon the risk involved. Rates vary from bank to bank depending upon their cost of funds and the risk they perceive in the deal as is the case in residential lending.

Whether you want to buy a investment commercial property or own your business premises or are planning to construct new commercial premises, we will advise you various finance options and arrange what is most competitive and best suited  loan to your situation.
Banks have their own products and want to sell them. We know all products of most major banks and can identify as what is best option for you.  Our job is not over here. We ensure that you meet the requirements of bank as their ideal client before we prepare your loan application and take it to bank.
Our extensive experience enables us to negotiate a good flexible loan structure at competitive interest rates and with minimum bank fee/charges. After all, we work for you, not for the bank. We work not for a transaction but towards an ongoing relationship. Our success lies in making you achieve your business goals.

Contact us for no obligation chat to know what we can do for you or enquire online and we will contact you.


Hotel and Motel Finance

Although there are similarities between hotel and other commercial property financing, hotels are usually 'single-use' properties whose primary revenue is generated from a service-based industry. Banks generally, restrict their lending between 50 to 60%  of collateral security value.  Their market value and debt servicing capability depend upon  their ability to generate future net income by means of their operations. Servicing of debt from business resources and from your other resources should be to bank’s satisfaction. 

Under current financial and economic situation banks change their lending criteria for various industry sectors quite often. We always have upto date knowledge of banks lending requirements for all industry and business segments. Call us or enquire online for a no obligation chat. We can arrange finance at most competitive terms.