Commercial Property Finance
Increasing Your Wealth With Commercial Property
Our ultimate goal is to deliver commercial advice and solutions that grows the wealth of our clients. We use our 25+ years of commercial banking experience to guide investors around the best way to structure their facilities, access equity and further their investing via traditional and non-traditional finance avenues to allow them to capitalise on commercial opportunities as they present themselves. From term loans, lines of credit, fit out , cash out and lease doc facilities, we have the experience to optimise your commercial property portfolio and tackle your investment goals.
The Evoke Difference
- Strategic advice from award-winning commercial finance brokers with over 50+ yrs experience in commercial banking.
- Access 100+ bank, non-bank and private lenders and the best commercial property interest rates in the market.
- Faster approvals via our platnium bank status to get you the right outcomes quickly.
- 6-monthly interest rate reviews and annual strategy sessions.
- Access to your own commercial finance broker for the life of your loan.
- 100% 5 Star Google Reviews
Finding The Best Loan For Commercial Property
We use our extensive network in commercial property banking to ensure we align ourselves with active proficient commercial bankers to ensure you get the best result. Commercial Property is a specialised asset class that can bring about great yields and capital gains if used strategically, however given the many types of commercial property, not all are treated equally by the banks.
"It's not the colour of the bank that determines credit outcomes, but rather the quality of the information you submit to the RIGHT BANKER at the RIGHT BANK, while holding the RIGHT CONVERSATIONS that safeguards credit outcomes".
Holistic Commercial Finance Advice That Works
There are many moving parts when it comes to Commercial Property Finance based on the objectives you are trying to achieve with your investment portfolio. Our approach to achieving successful credit outcomes for our commercial clients is to map out a strategy, collaborate with their relevant financial advisors and together achieve successful credit outcomes.
Whether your are at the start of your commercial journey or looking to review your existing arrangements, our team has the skills, contacts and capacity to look after you.
Buying Commercial Property through your SMSF
Whether you are a business owner or property investor, commercial property investing via SMSF can be a powerful way to supercharge your portfolios returns. Many business owners are taking advantage of the ability to purchase a commercial premise through their SMSF and lease it back to their business. While property investors are looking at ways to grow their portfolio via serviceability friendly methods while enhancing yeilds on their portfolio.
But it's not just business owners who can invest in commercial through their SMSF, it is an opportunity open to all investors and is less restrictive than purchasing a residential property through your SMSF.
We can collaborate with you and your advisors on the best approach to securing SMSF loans for Commercial Property.
Commercial Loans FAQ
What is Commercial Property Finance?
Commercial property finance is the funding and financial arrangements related to commercial real estate. Essentially properties used for business purposes. Examples are: office buildings, hotels, warehouses, shopping centres, and apartment complexes.
Whether you're purchasing new property, renovating an existing income-producing property, or refinancing debt on a commercial property you already own, commercial property finance provides the necessary capital.
What loan-to-value ratio (LVR) can I borrow and how does it affect commercial property financing?
The LVR ratio compares the loan amount to the appraised value of the commercial property. A higher LVR means you're borrowing a larger percentage of the commercial property's value. With a higher Loan-To-Value ratio, lenders may assess a higher level of risk and as such request additional collateral of apply higher interest rates. A lower LVR generally will result in a better outcome.
Typically banks will lend 70-80% against a commercial property (non-specialised) subject to serviceability and personal circumstances.
What factors should i consider when choosing a lender for commercial property finance?
When selecting a commercial property finance lender, consider the following:
- Lender Reputation
- Eligibility Criteria
- Flexibility
- Loan Terms
- Interest Rates
- Lenders Fees
How do I maximise yield on a commercial property?
- Regular maintenance and upgrades
- Optimising lease agreements
- Diversifying your mix of tenants
- Enhance property value through strategic property improvements
- Efficient property management
Disclaimer: Subject to the lender's terms & conditions and credit approval criteria. Please ensure you seek your own personal legal and taxation advice for your situation.