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Whether you are looking to buy business premises, build a commercial portfolio, or secure a commercial property investment, Balcombe Financial is here to help you find the right commercial property loan for your situation. We work with clients in Bayside, Victoria and across Australia, connecting them with commercial mortgage options from a wide panel of banks and lenders.
What Is a Commercial Property Loan?
A commercial property loan is a type of finance used to purchase, refinance, or invest in property that is used for business or income-producing purposes. This includes office space, warehouses, retail shops, strata commercial properties, and mixed-use buildings. Unlike a standard home loan, commercial property finance is assessed differently by lenders, with factors such as commercial rental income, commercial tenant quality, commercial vacancy rates, and commercial zoning all playing a role in how a lender views the application.
At Balcombe Financial, we help clients understand what lenders are looking for and how to present their situation in the strongest possible way. We do not provide financial advice, but we do help you understand your options and connect you with lenders who are suited to your needs.
Owner Occupied vs Commercial Investment
One of the first things to consider when exploring a commercial property loan is how the property will be used. Owner occupied commercial finance is for business owners who want to own business premises and operate from that location. This can be a practical way to stop paying rent and turn those payments into a business asset instead. Commercial property investment, on the other hand, involves purchasing a property that will be leased to a commercial tenant, with the commercial lease and rental income forming part of the lender's assessment.
Both scenarios have different requirements around commercial LVR, commercial deposit amounts, commercial interest rates, and loan structure. Balcombe Financial takes the time to understand your specific situation before exploring which lenders and products may suit you.
Key Factors Lenders Consider
Commercial property finance is more complex than residential lending. Lenders will look at a range of factors when assessing a commercial application. These include the commercial property valuation, the commercial loan amount being requested, the commercial LVR, the strength of any commercial lease in place, the quality of the commercial tenant, and the borrower's ability to service the debt through commercial cashflow or other income.
Lenders will also consider whether the property has a commercial DA in place, how the commercial stamp duty affects the overall cost of the transaction, and whether GST applies to the commercial property purchase. Commercial GST obligations can affect the structure of the transaction, and Balcombe Financial will flag these considerations so you can seek appropriate advice from your accountant or solicitor.
Loan Structures and Repayment Options
Commercial property loans can be structured in a number of ways. You may have the option of a variable interest rate or a fixed interest rate, depending on the lender and your circumstances. Some lenders offer flexible loan terms and flexible repayment options, including interest-only periods that can assist with commercial cashflow during the early stages of ownership. Redraw facilities may also be available on some products, allowing you to access additional repayments if needed.
The commercial loan term is typically shorter than a residential mortgage, and the loan to value ratio (LVR) is generally lower, meaning a larger commercial deposit is often required. Balcombe Financial will help you understand what each lender is offering so you can make an informed decision alongside your financial and legal advisers.
Office, Warehouse, and Strata Commercial Finance
Balcombe Financial works with clients across a range of commercial property types. Whether you are looking at office warehouse finance, a strata commercial unit, or a larger standalone commercial investment, we can access commercial property loan options from banks and lenders across Australia. Our role is to match your needs with lenders who have appetite for your type of property and your financial profile.
If your current commercial property loan is no longer working for you, it may also be worth exploring a commercial property refinance to see whether a different lender or structure could better suit your current position. For business owners who may not have traditional financial documentation, our low doc loans page outlines alternative options that may be available.
Balcombe Financial is committed to removing the complexity from commercial property finance so you can focus on what matters most, whether that is growing your business, expanding your property portfolio, or securing the right premises to operate from. Reach out to our team to start the conversation.
Step 1: Initial Conversation
We start with a relaxed, no-obligation chat to understand your situation, your goals, and what you're looking to achieve. No paperwork, no pressure.
Step 2: Fact Find & Assessment
We take a closer look at your finances, including income, expenses, assets and liabilities, so we can understand your borrowing position and tailor our approach accordingly.
Step 3: Loan Strategy & Lender Selection
Drawing on our panel of over 40 lenders, we identify the most suitable options for your circumstances and present you with clear, comparable recommendations.
Step 4: Application Preparation
Once you're happy with the direction, we prepare and package your application thoroughly, making sure everything is in order before anything is submitted to a lender.
Step 5: Lodgement & Approval
We lodge your application and manage the process with the lender from start to finish, keeping you updated along the way so you're never left wondering what's happening.
Step 6: Formal Approval & Signing
Once your loan is formally approved, we walk you through the loan documents so you understand exactly what you're signing and what comes next.
Step 7: Settlement & Beyond
We stay with you through to settlement and beyond. Whether you have questions down the track or your circumstances change, we're always here to help.
Balcombe Financial has been absolutely helpful throughout the process of my construction loan. Amazingly proffesional and responsive. Michael is full of knowledge and knows his proffesion very well. Would highly recommend Balcombe Financial. Thank you Michael.
James O'Haire
We were extremely happy with the service and outcomes provided by Michael Flinos and Balcombe Financial. Michael gave us confidence early in the process as he worked with us to understand the complexity of our portfolio of loans. Michael then found solutions that best suited our needs, provided considerable savings and improved our flexibility. We are thrilled with the refinancing outcomes Michael enabled us to achieve and are we pleased to have Balcombe Financial as one of our trusted advisors. In addition to the excellent outcomes Michael was great to work with and helped us maintain momentum when the other challenges of life distracted us. In our next project with Balcombe Financial Michael is assisting us with a new project and our overall financing strategy. Very professional, client focussed, easy to work with and highly recommended.
Andrew O'Brien
Michael was fantastic to deal with and got my complicated financials sorted out and finance approved without any fuss. Would highly recommend.
Terry Wheeler
I have known Michael Flinos for more than a decade. Michael is a true Professional who is an authentic, subject matter expert in his domain and has great knowledge in the Financial services space and is extremely thorough and diligent. In all my dealings with Michael, I have been impressed with his knowledge, his ability to research products which are fit for purpose and his can do nature. He has a friendly and polite demeanor and is always prepared to go the extra nine yards to get the job done. I would not hesitate to recommend Michael's services to anyone who is looking for a commercially compelling solution to their requirements.
Bill Keramidas
The timeframe for a home loan application can vary depending on the lender, the complexity of your situation, and how quickly supporting documents are provided. In general, once a formal application is submitted, lenders may take anywhere from a few days to a few weeks to assess and provide a decision. At Balcombe Financial, we work to keep the process moving as efficiently as possible by preparing your application thoroughly from the start and staying in regular contact with the lender on your behalf. We will keep you updated throughout the process so you always know where things stand and what to expect next.
Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. At Balcombe Financial, we work with first home buyers regularly and understand the questions and concerns that come with the process. We take the time to explain how home loans work, what to expect at each stage, and what government grants or schemes you may be eligible to explore. We do not make assumptions about what you already know, and we are always happy to answer questions no matter how basic they may seem. Our aim is to make sure you feel prepared and supported.
A mortgage broker acts as the link between you and a range of lenders, including banks, credit unions, and non-bank lenders. Rather than you having to approach each lender individually, a mortgage broker does the legwork on your behalf. At Balcombe Financial, we take the time to understand your personal situation, your goals, and your financial position before researching loan options that may suit your needs. We handle the paperwork, communicate with lenders, and guide you through each step of the process. Our role is to make the home loan process more manageable and to help you feel informed and confident at every stage.
While the exact documents required can vary depending on your situation and the lender, there are some common items that most applications will require. These typically include proof of identity such as a passport or driver's licence, recent payslips or tax returns to confirm your income, bank statements showing your savings and expenses, and details of any existing debts or liabilities. If you are self-employed, you may need to provide additional documentation such as business financial statements or tax assessments. At Balcombe Financial, we will walk you through exactly what is needed for your specific application so you can gather everything in an organised way and avoid unnecessary delays.
Balcombe Financial assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed individuals. We also assist with commercial lending for business owners. Whether you are purchasing your first home, looking to grow a property portfolio, or exploring options for your business, we can help you understand what may be available to you. Every client's situation is different, so we always start with a conversation to understand your specific needs before exploring what options might be worth considering.
When you go directly to a bank, you only see the products that particular bank offers. At Balcombe Financial, we work with a wide range of lenders, which means we can present you with a broader selection of loan options to compare. We take the time to understand your circumstances and help you weigh up your choices in a way that makes sense for your situation. Beyond that, we handle much of the communication and administration involved in applying for a loan, which can save you a significant amount of time and effort. Our goal is to make sure you feel supported and well-informed throughout the entire process.
Not at all. While Balcombe Financial is based in Bayside, Victoria, we work with clients right across Australia. Thanks to phone, email, and video calls, we are able to provide the same level of personalised service to clients regardless of where they are located. Whether you are in regional Victoria, interstate, or anywhere else in the country, we are well-equipped to assist you with your lending needs. We believe that access to quality mortgage broking support should not be limited by geography, and we are committed to making ourselves available and accessible to clients no matter where they call home.
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, such as looking for a loan with different features, consolidating debt, or accessing equity in their property for renovations or other purposes. Whether refinancing makes sense for your situation depends on a number of factors, including your current loan terms, any fees involved in switching, and your financial goals. At Balcombe Financial, we can help you review your current loan and compare it against other options so you can make an informed decision. We will always be upfront about the costs and considerations involved.
A fixed rate home loan locks in your repayment amount for a set period, which means your repayments stay the same regardless of any changes in the broader lending environment during that time. This can make budgeting more predictable. A variable rate loan, on the other hand, can change over time in line with lender decisions, which means your repayments may go up or down. Some loans also offer a split option, where part of your loan is fixed and part is variable. Each option has its own advantages and trade-offs depending on your circumstances and priorities. At Balcombe Financial, we can help you understand the differences and think through which structure may suit your needs.
In most cases, our mortgage broking service comes at no direct cost to you as the client. Balcombe Financial is typically paid a commission by the lender once your loan settles. We are required by law to be transparent about how we are paid, and we will always disclose this information to you clearly before you proceed. This means you can access our knowledge, support, and lender connections without paying out of pocket for the service. If there are any situations where a fee may apply, we will always discuss this with you upfront so there are no surprises along the way.
Our team works with clients in Bayside and across Australia to access commercial property loan options from lenders who suit their situation. Book an appointment today and let us help you explore what may be available for your commercial property purchase or investment.
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