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Expert Commercial
Property Loans for
Business Growth in
Sydney, New South
Wales
experience, we are one of Sydney’s most trusted commercial finance
brokers. Our tailored solutions include variable, fixed-rate, and
combinations of both, designed to meet your unique circumstances.
- Quick Approval Process
- Low Down Payment Options
- Tailored Financing Solutions
- Competitive Interest Rates
- Flexible Terms
Commercial Loan Features to Expect
Flexible Loan Terms
Commercial loans come with various terms, allowing businesses to choose the repayment schedule that best fits their financial situation and long-term goals.
Competitive Interest Rates
We negotiate with Lenders to offer competitive interest rates on commercial loans, making it an affordable financing option for businesses looking to invest in real estate, asset purchases or for working capital.
Variety of Loan Options
Businesses can choose from different types of commercial lending, such as fixed-rate loans, variable-rate loans, and interest-only loans, depending on their financial strategy.
Large Loan Amounts
Commercial lending provides higher loan amounts compared to other types of business loans, enabling businesses to finance large-scale property purchases or extensive renovations.
Equity Building
As businesses make payments on their commercial property loan, they build equity in the property, which can be used as collateral for future loans or to secure better financing terms.
Professional Valuation
Most lenders require a professional valuation of the property being purchased, ensuring that businesses are paying a fair price and Providing peace of mind with the purchase.
Who We Are?
CBM Mortgages is dedicated to helping first-time home buyers achieve their dream of homeownership. With years of experience in the mortgage industry, our team of experts is committed to providing personalized service and competitive rates. We understand that buying your first home can be daunting, so we offer comprehensive support every step of the way. Our mission is to make the home buying process as smooth and stress-free as possible.
APPROVED LENDERS
Understanding Commercial Lending
step.Here’s a comprehensive guide to help you:
Loan Term
Commercial property loans in Australia typically have a term of 3 to 15 years, compared to the 15 to 30 years common for residential loans.
Down Payment
The down payment required for a commercial loan is usually between 20% to 25% of the property's value but you can also look to leverage off existing property to reduce that deposit.
Contact us today to learn more and start your journey towards successful commercial property investment.
Eligibility Criteria for a Commercial
Property Loan
To qualify for commercial lending with CBM Mortgages, applicants typically need to meet the following criteria:
Creditworthiness
A strong credit history is crucial. Lenders will evaluate your credit score, payment history, and outstanding debts to assess your reliability as a borrower.
Business Financials
Lenders will require comprehensive financial documentation, including tax returns, balance sheets, profit and loss statements, and cash flow statements.
Collateral
The commercial property itself typically serves as collateral for the loan. However, lenders may also require additional collateral, such as other real estate or business assets, to secure the loan.
Business Plan
A detailed business plan demonstrating the potential profitability and growth of the commercial property is essential.
Debt Service Coverage Ratio (DSCR)
Lenders will calculate your DSCR to ensure your business generates enough income to cover the loan payments.
Why Choose CBM Mortgages for Your
Commercial Loan?
approach and extensive network of top lenders ensure you get the best possible loan options.
Professional & Personalised Service
We combine personalised service with exceptional professionalism, ensuring that your needs are met with the utmost care and expertise.
Competitive Loans
We understand that getting the best deal is crucial. Our mission is to secure the most competitive loan terms for you, tailored to your business needs.
Fast & Flexible Financing
Enjoy quick access to capital with flexible servicing criteria and loan-to-value ratios (LVRs) that suit your business objectives.
Advantageous Lending Environment
With lenders eager for your business, we leverage this competitive environment to negotiate the best terms for you.
Diverse Security Options
Our commercial mortgage brokers offer a range of security options to match your financial situation and ensure peace of mind.
Flexible Interest Rates
Choose the added flexibility of a variable rate loan or the stability of a fixed rate, depending on your financial strategy and market conditions.
Trust the best Commercial Mortgage Brokers to find the best loan for you!
Our commercial mortgage brokers provide expert guidance to help relieve the stress of selecting the best finance solution. Our team is dedicated to understanding your unique situation and finding the optimal loan product to meet your needs.
We extend our exceptional service to the employees and families of our clients. Our residential property loans offer them access to the same fantastic benefits available through CBM Mortgages, ensuring they receive the best possible financial support.
Ready to Discover Tailored Financing Solutions?
experience the benefits of working with expert commercial mortgage brokers.
Frequently Asked Questions
A commercial property loan is a type of mortgage designed for the purchase, refinance, or renovation of properties intended for business use. These properties can include office buildings, retail spaces, warehouses, industrial properties, and mixed-use developments.
Eligibility for a commercial loan typically requires:
- A solid credit history.
- Proof of stable income and financial stability.
- A sufficient deposit, usually around 20-30% of the property’s value or equity to leverage off.
The term for commercial lending usually ranges from 5 to 15 years, depending on the lender and the specific loan product. Some loans may offer interest-only periods at the beginning of the term.
Yes, commercial lending can be used for property development, including new construction and significant renovations. This often requires a more detailed application process and may include construction milestones and progress payments.
Yes, foreign investors can obtain office property loans, but the requirements may be more stringent. This can include a higher deposit, higher stamp duty fees and more thorough documentation, and potentially higher interest rates.
Yes, rental income from the property can be used to qualify for a commercial loan in combination with your normal income. Lenders will consider the rental income as part of the overall financial assessment to determine your ability to repay the loan.
The approval process can vary but generally takes between 2-3 weeks. This timeframe can be affected by the complexity of the loan application, the completeness of the documentation provided, and the lender’s internal processes/service levels.
Yes, refinancing an existing commercial loan is possible and can be beneficial to:
- Secure a lower interest rate
- Access equity in the property
- Change the loan term
- Obtain better loan conditions