Owner-Occupied Commercial Property
Purchasing premises for your business can provide greater control over your operating environment and long-term property strategy.
BUSINESS & COMMERCIAL FINANCE COMMERCIAL PROPERTY
Finance for your commercial property goals.
Commercial property finance can be more complex than residential lending. Start with a clear picture of the property, your borrowing position and your plans.
Understand your borrowing positionYOUR NEXT COMMERCIAL MOVE
Whether you're purchasing premises for your business, investing in commercial property, refinancing an existing facility or expanding your property holdings, the right lending structure can make a significant difference to your cash flow, flexibility and long-term plans.
At StoneHaven Finance, we help you understand your commercial borrowing position and compare lending options from our panel of banks and specialist lenders.
We take the time to understand the property, your borrowing position and your objectives before exploring suitable finance options.
BEFORE YOU COMMIT
Understand your commercial borrowing position.
Before committing to a commercial property purchase, it is important to understand your lending position and what may be achievable. This may include reviewing:
- Your borrowing position and available equity
- Deposit and upfront funding requirements
- Existing commercial and residential lending
- Potential loan structures and repayment options
- Property type and lender requirements
- Business and cash-flow considerations
- How a new facility may affect your overall financial position
Commercial lenders can assess applications differently from residential loans, so understanding your position early can help you approach your purchase with greater clarity.
Discuss Your Commercial Finance NeedsCOMMERCIAL FINANCE SOLUTIONS
Finance for the property and the purpose.
We can help you explore finance for a range of commercial property needs, including:
Commercial Property Investment
Explore lending options for commercial property investments across different property sectors and investment strategies. Commercial property can involve different lending criteria, equity requirements and risks compared with residential property.
Commercial Property Refinancing
Review an existing commercial facility to assess whether your current rate, structure and lending arrangements continue to suit your circumstances.
Equity & Portfolio Expansion
Accessing equity involves additional borrowing and may increase your repayments and overall debt. The equity available will depend on factors including property valuation, existing loan balances, borrowing capacity and lender criteria.
Medical & Professional Property
We can explore lending options for eligible medical and professional property purchases, including suites and owner-occupied premises.
PROPERTY TYPES
Property types we can explore.
Commercial property lending can vary significantly depending on the type and use of the property. We can assist with finance for:
- Industrial properties & warehouses
- Office properties
- Retail premises & shopfronts
- Medical & professional suites
- Hospitality properties
- Mixed-use properties
- Other eligible commercial real estate
Lender requirements can vary based on factors such as property type, location, valuation, lease arrangements, borrower circumstances and intended use.
SPECIALIST CONSIDERATIONS
Commercial property through an SMSF.
An SMSF may be able to acquire eligible commercial property using a limited recourse borrowing arrangement, subject to superannuation law, the fund’s investment strategy, lender requirements and the circumstances of the transaction.
For limited recourse borrowing arrangements entered into on or after 10 August 2026, the property must meet the definition of “business real property” when the arrangement is entered into.
StoneHaven Finance can help explore available commercial lending options after appropriately qualified financial, legal and tax professionals have confirmed that the proposed SMSF strategy, property and structure are suitable and compliant.
StoneHaven Finance provides credit assistance and does not advise whether you should establish or use an SMSF or purchase a particular property through superannuation.
LENDER ASSESSMENT
What can affect your commercial property loan?
Property Type
Industrial, retail, office, medical, hospitality, mixed-use and other commercial properties can be assessed differently by lenders.
Property Location & Valuation
The property's location, marketability, valuation and underlying characteristics can influence the lending options available.
Loan-to-Value Ratio (LVR)
The amount you borrow relative to the property's value can affect the lenders and loan structures available to you.
Lease & Rental Income
For investment property, existing leases, rental income, tenant profile and lease terms may form part of the lender’s assessment.
Borrower & Financial Position
Income, assets, liabilities, existing debt, business performance and available equity can all influence a lending assessment.
Loan Purpose & Structure
Purchasing, refinancing, owner-occupation and investment can involve different lending considerations and lender requirements.
HOW WE HELP
Our commercial finance process.
Understand Your Position
We review your financial position, existing lending and commercial property objectives.
Assess the Property & Borrowing Position
We consider the proposed property, deposit, equity, income, commitments and relevant lender requirements.
Compare Lending Options
We compare available commercial finance options from our panel of lenders and explain the key considerations.
Structure Your Finance
We help you understand the proposed loan structure, repayments and key terms before you decide how to proceed.
Progress Your Application
If you choose to proceed, we help prepare and manage your application through lender assessment and, where formally approved, through to settlement.
COMMERCIAL PROPERTY FINANCE FAQs
Your questions, considered.
How much deposit do I need for a commercial property?
Commercial lending requirements can vary depending on the property, loan structure, lender, borrower circumstances and intended use. The deposit required may therefore differ from a typical residential property purchase.
We can help assess your position and explain what may be achievable.
Can I buy a commercial property through my business?
Potentially. The appropriate ownership and lending structure can depend on factors including the property, business circumstances, borrower structure and lender requirements.
StoneHaven Finance can explore suitable lending options once the proposed ownership structure has been confirmed with your legal and tax advisers.
Can I refinance an existing commercial property loan?
Potentially. Refinancing can provide an opportunity to review your interest rate, loan structure, repayments and overall lending arrangements.
However, refinancing may involve costs, so the potential benefits, costs and implications should be considered before making a change.
Can I use equity from my residential property for a commercial purchase?
Potentially. Depending on your property value, existing lending, income, equity and lender requirements, available equity may contribute towards the purchase or associated costs.
Accessing equity involves additional borrowing and may increase repayments and overall debt.
Can StoneHaven Finance help with medical or professional commercial property?
Yes. We can explore commercial lending options for eligible medical and professional property purchases, including owner-occupied premises and medical suites, subject to lender criteria and your circumstances.
Can I buy commercial property through an SMSF?
Potentially. An SMSF may be able to acquire eligible commercial property using a limited recourse borrowing arrangement, subject to superannuation law, the fund’s investment strategy, lender requirements and the circumstances of the transaction.
For limited recourse borrowing arrangements entered into on or after 10 August 2026, the property must meet the definition of “business real property” when the arrangement is entered into.
StoneHaven Finance can help explore available lending options after appropriately qualified financial, legal and tax professionals have confirmed the proposed SMSF strategy, property and structure.
Important Information
Commercial property finance and borrowing involve financial risk. Property values, rental income, occupancy levels, business performance and interest rates can change, while borrowers remain responsible for meeting their loan obligations.
Commercial lending may involve different terms, fees, security requirements and legal protections from residential consumer lending. Independent legal advice should be considered before entering into a commercial lending arrangement.
StoneHaven Finance provides credit assistance and does not provide property investment, financial, legal, tax or SMSF advice. Lending approval is subject to lender assessment, eligibility requirements, valuation, terms and conditions. Any borrowing-capacity, repayment or equity figures discussed are indicative only and may change.
START WITH A CONVERSATION
Planning your next commercial property move?
Whether you’re purchasing business premises, investing in commercial property or refinancing an existing facility, start with a conversation about your property, borrowing position and available finance options.