Property purchase
Assess finance for eligible owner-occupied or investment commercial properties, subject to lender policy and valuation.
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Commercial property finance · Australia-wide
Finance for your business premises or commercial investment.
Buying a completed commercial property or reviewing an existing loan? Brion helps bring together the property, financial and business information lenders need, then compares suitable finance options.
Perth-based broker · Phone and online support throughout Australia
Understanding your options
What shapes a commercial property loan?
Commercial property finance is generally assessed differently from a home loan. The lender may consider the property type and location, lease position, valuation, borrower experience, business performance, deposit or equity and the strength of any proposed guarantors.
Loan terms, repayment structures, fees and covenants may also differ. Covenants are ongoing conditions in a loan agreement, such as providing financial reports or maintaining an agreed financial position. Brion brings the property and financial information together, identifies suitable options and stays involved from the initial assessment through to settlement.
Commercial refinance
Review an existing facility, maturity, pricing and security structure against your current position and plans.
Equity release
Explore eligible equity-release options for a clearly defined business or investment purpose.
Scenario presentation
Organise the financials, property details and purpose so lenders can assess a clear, well-supported application.
Information lenders commonly assess
The required information depends on whether the borrower is an individual, company, trust or SMSF, and whether the property is owner occupied or leased to a third party. A complete first picture usually saves time later.
Self-employed applicants may need recent business financial statements, tax returns, bank statements, an explanation of the loan purpose and details of related entities. Lease documents, rental income and a property valuation may also be central to the assessment.
- Property type, location, use and valuation
- Purchase contract or current facility details
- Lease, tenancy and rental information
- Business financials, income and entity structure
A commercial loan is more than the rate
The loan term is when the facility must be repaid or renewed. The amortisation period is the period used to calculate regular repayments; it can be longer than the loan term, leaving a balance due at maturity. Review conditions, establishment costs, security and flexibility also matter. Comparing only the headline rate can miss a condition that matters to the business or investment.
BGW assists with eligible completed commercial property purchases, refinancing and equity release. Development and construction finance are excluded. Independent legal, accounting and tax advice should form part of any commercial transaction.
- Owner-occupied business premises
- Tenanted commercial investments
- Refinancing an existing commercial property loan
- Eligible equity release for a documented purpose
From initial review to settlement
Understand the conditions before committing.
Brion first reviews the property, purpose, borrower and financial information. Suitable lender options may then be explored, followed by indicative terms, valuation, formal assessment, loan documents and settlement. The sequence depends on the lender and transaction.
Indicative terms are not an approval. A lender may require valuation, legal or other third-party costs before a final decision. Ask what is payable, when it is due and whether it can be refunded before authorising the work.
Tell Brion the property type and intended use, including whether it is business premises or a tenanted investment. Eligibility depends on the individual property and lender policy.
Frequently asked questions
Useful answers before you begin.
How much deposit is needed for commercial property?
It varies by property type, location, borrower, income and lender policy. Commercial loan-to-value ratios are often different from residential lending, so the likely contribution should be assessed early.
Can you help finance owner-occupied premises?
Yes, subject to the full scenario and lender assessment. This may include reviewing the business financials, property, entity structure, deposit or equity and proposed repayments.
Can you refinance an existing commercial loan?
Potentially. Brion can compare the current facility with available loan options, including pricing, term, fees, security and lender conditions.
Do you arrange development or construction finance?
No. BGW’s commercial property service is focused on eligible completed-property purchases, refinancing and related equity-release scenarios.
Your next step
Ready to talk about your loan?
Tell Brion what you are planning and the questions you would like answered.