Fast Pre-Approvals
50+ Lender’s Offers
Free Consults
High Success Rates
Our commercial property finance & loan brokers trawl through over 50 lenders to find the top 3 offers, plus 2 more just to be sure, for your all your commercial property finance needs. We negotiate on your behalf and ensure that whatever loans and finance we recommend, are tailored to favour and optimise your current financials.
Orchard Lending brokers aren’t just about finance today, but laying out a clear path to success, and ensuring that any loan and finance recommendations fulfil the three Ts – that is to help you Today, Tomorrow, and Throughout your loan term. Commercial lending has different requirements to usual residential lending, and our brokers are accredited specifically with commercial lenders on the major banks, as well as 2nd tier and specialist lenders.
Our commercial loan brokers go above and beyond to secure the best deals, provide you with honest expert and full life-of-loan broker support.
Building Relationships Through Value
“If you really look closely, most overnight successes took a long time.” – Steve Jobs
Fast Pre-Approvals
Available Today
Free Consults
Commercial Finance & Loan Brokers
Looking to purchase a commercial property or estate and needing loan finance options and solutions? We can assist with all types of commercial property loan financing, with flexible security and verification of income options.
Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you. This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your commercial finance and loan needs.
Commercial lending varies from typical residential, including investment property lending, with our brokers specifically commercially accredited with dedicated partners in the major banks, 2nd tiers, and specialists lender areas.
We can obtain financing with main and private lenders, with no early exit and repayment fees, and a whole host of other benefits as listed below. Enquire for a call back today from one of our credit specialist and ensure you make the right choice on your commercial property financing loan needs today.
Frequently Asked Questions
What do I need to get started?
All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.
How much can I borrow?
This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.
What will my rate be?
This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.
Does my job or location matter?
We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.
Do you need tax returns?
For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.
Commercial Finance Details
We can assist with many types of loans from a large range of lender facilities to accommodate small to large and complex lending requirements. Depending on your situation, we can also wrap debt consolidation into new commercial lending facility if you want to purchase something at the same time, to optimise your loan efficiency.
Investing in commercial property in Australia offers a potentially rewarding option. Whether you are a company owner looking to secure your own premises or an investor looking to expand your portfolio, there are several factors to consider when acquiring commercial real estate. Notably, financing for commercial property differs greatly from that for residential property, with each having different lending choices accessible.
Understanding these distinctions and collaborating with an expert commercial finance broker are critical to a successful investment.
The majority of business property loans function similarly to residential mortgages. Select between a variable rate, fixed rate, split rate, principle and interest, or interest-only loan. Many commercial property loans include convenient features such as fee-free extra repayments or an offset facility for little or no extra costs.
Start today by arranging a free 30 minute credit consult with one of our commercial loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your commercial finance needs.
Things To Consider
1. .Commercial Property Qualifications
Generally anything outside of residential used for business purposed will be classed as commercial. Though it’s always good to have pre-qualification checks done, including restrictions on a properties usage, before committing.
2. Loan To Value Ratios (LVRs)
For most commercial, you will need at least a 20% deposit. We do have options though where up to 100% LVRs can be obtained where other property can be used. We can also assist higher LVRs where commercial premises will be occupied by you.
3. Income Verification Options
Many options can exist from full doc loans needing full financials, to Lease Stream options where funding can be based off current in place leases. Generally the more documentation provided, the less deposit and lower interest rate there will be.
4. Specialised Securities
These can be pubs, petrol stations, hotels, and farms or large rural acreages. Usually it’s a type of security that can’t be easily and quickly re-purposed into something else, and has specialised assets or enhancements on the property, or would generally not fit within the most common types of commercial properties i.e. retail spaces and offices. These will likely attract a higher deposit (lower LVR).
What does it take for a commercial finance loan?
The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.
We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.
Full Doc Loans
- 2 x Payslips
- ATO Tax Returns
- Financial Records
- 1-2 Years ABN NOAs
- Clear Credit History
Specialists Loans
- Exotic assets
- Non-conforming security
- Difficult income verification
- Case by case assessments
- Special loan needs
Low Doc Loans
- No tax returns
- Alternative income
- Bank statements
- Short trading history
- Private lenders
Credit Impaired
- Discharged bankrupt
- Listed defaults
- Late payments
- Low credit score
- Limited credit history
