Taking businesses to the next level with commercial property loans
When you’re busy, arranging to find, investigate and then purchase a commercial property as well as organising the funds to pay for it, can be difficult, time-consuming and often stressful.
Buying a commercial property can be a big decision as the outlay can often be substantial. If you’re buying a commercial property for your business, it needs to be able to cope with current levels of activity plus a reasonable buffer for growth.
Alternatively, if you’re buying a commercial property for investment, you need to make sure you have a viable tenant who won’t unexpectedly leave you in the lurch. As capital growth is often not as attractive as residential investment properties, you need to make sure your rental return is viable and sustainable.
For busy business owners and investors, we’re there to help you – every step of the way! While banks and lenders are there to lend you money, we all know they are also there to generate a profit for their shareholders. For example, they are not required to tell you what other options you might have (either their own or from competitors); nor are they required to ensure you’re being updated and moved to their lowest and most suitable product. Plus, once they’ve lent you their money, for the lender it’s often a case of ‘set and forget’.
When you’re looking to invest in a commercial, retail, wholesale or manufacturing business premises, we can help you source a great deal for you. We see our role as being there to help you before, during and after you purchase your commercial property.
How it works
Our easy-to-understand outline shows a time and cost-effective experience for you. We’ll show you all the steps you need to follow to achieve your dreams, and as we complete each step, we’ll tick it off the list together.
The discovery stage is essential, as it’s where we begin to understand and then define your needs, goals and aspirations. We listen to you so that we can provide you with an honest and balanced financial analysis. This will help us to select the best loans available to help you meet your goals.
Using a wealth of experience in the finance industry, we’ll analyse your situation, talk around problems and simplify the complex. It’s also vital that we put the time into determining if a loan is the right choice for you. For us, it’s about finding the right financial option for you, not just an attractive deal.
Once we understand what you are looking to achieve, we begin looking for the right loan product for you, with the right features and options to suit your needs. Accessing the lowest interest rate is only important after we understand what is important for you.
We can make sure you get the right loan for your commercial property purchase. This includes pre-approvals when you’re bidding at auction. We provide you with an overview of the loan process and check-in with you as regularly as you require. This is generally on a weekly basis but can be daily if time is tight.
When applying for any commercial property loan, specific information and documentation are required to be submitted with the loan application. We’ll help you finalise your plan and implement all the paperwork. We use technology to streamline the document process, to reduce your stress.
Obtaining money, particularly these days, can be tricky, uncertain and stressful. We work with you, so you know we’re always on your side. When you need anything, no matter how small, just ask!
And even after you have obtained the right loan for you and settled on your property purchase, we keep on giving you information and updates so you can have peace of mind that someone is always looking out for you.
How we can help
Not only are we able to organise a loan which is suitable for you, but we’re also able to do a myriad of other things to assist you, such as:
Information and research on your desired commercial property.
Negotiation and purchasing tips and strategies to secure your residential property without overpaying.
Introductions to excellent property lawyers and conveyancers so you don’t make a mistake with your contract of sale.
Protect you and your family so your loan doesn’t become a liability you can’t afford to pay.
For owner-occupiers, we help you set up your key services such as electricity and gas, NBN, home security and if required, mobile phones for you and your staff.
For property investors, we can provide tips for selecting the right property manager who will look after your property just like you would!
Six monthly check-ins
We provide six-monthly check-ins to determine how you’re tracking and if your circumstances have changed. We’ll also assess the current interest rates your chosen lender is charging you and compare it to their other current rates.
Free two-year review
Every two years, we’ll conduct a formal loan review against the market of lenders to make sure you’re still getting a good deal. As part of this loan and property review, we’ll also provide you with a free commercial property/suburb review, so you know how your commercial property investment is tracking.