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Commercial property loans — owner-occupier and investment
The Territory's market has its own rules
Canberra's commercial finance market doesn't behave like anywhere else. Treat it like it does and the deal stalls.
An owner-occupier-dominated commercial market. A lender panel that doesn't always understand the Territory's asset dynamics. Commercial finance in the ACT takes more than a standard approach — it takes structure built around the market you're actually borrowing in.
We're a Canberra-based commercial finance practice. Our clients are commercial property investors, business owners buying their premises, developers, and borrowers untangling complex commercial debt across Braddon, Fyshwick, Mitchell, Civic and Gungahlin. Senior-led on every file — the person who structures your deal runs it to settlement — and connected nationally.
Commercial Loan Types
The commercial finance we arrange.
The full spectrum of commercial lending — from commercial property loans and commercial mortgages through to equipment finance, debtor finance, and commercial debt advisory.
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Commercial mortgages across all ACT and regional title types
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Bridging and pre-sale facilities for commercial assets
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Commercial construction and development finance
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Equipment and asset finance for Canberra businesses
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Trade finance and debtor finance facilities
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Portfolio restructuring and refinancing across commercial holdings
Commercial Debt Advisory
Beyond the transaction.
Some of our most valuable work isn't arranging a new loan — it's reviewing and improving what you already have. Commercial debt advisory covers your entire commercial debt position. We work for you, not the bank.
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Independent structuring advice — we work for you, not the bank
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Debt review and commercial portfolio audit
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Interest rate strategy across fixed, variable, and hedging instruments
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Lender negotiation and covenant renegotiation
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Cross-collateralisation unwind and security restructuring
At a Glance
Commercial finance parameters.
01 LVR
Owner-occupied commercial up to 100% — investment LVR subject to asset and lender policy
02 Loan Size
Across commercial property, construction, and business facilities
03 Lender Panel
Major banks, regional, non-bank, and private credit across Canberra
04 Asset Types
Office, retail, industrial, mixed-use, and specialist commercial — subject to LVR and ICR
05 Canberra Market
Deep knowledge of which lenders are genuinely active across the ACT and Capital Region right now
06 Pricing
Our advice prioritises your outcome — lender selection is never driven by commission.
Our Process
How we work.
Commercial finance takes longer and demands more information than residential lending. Here is exactly what our process looks like.
01 Commercial Finance Review
We start with a clear picture of your commercial position — existing debt, security profile, business cash flow, and objectives. Most clients find this surfaces opportunities they hadn't considered.
02 Structure the Facility
The right structure depends on your asset, business, and cash flow. We model loan structures, assess lender fit, and identify the approach most likely to succeed — and to perform over time.
03 Access the Right Lenders
Our panel covers major banks, regional banks, non-bank lenders, and private credit. We know which lenders are active in Canberra's commercial market, their credit appetite, and how to present your deal.
04 Manage to Approval
Commercial credit takes longer and asks for more than residential lending. We run the process — preparing submissions, answering credit queries, and keeping your deal moving.
05 Settlement and Beyond
Beyond settlement, we keep reviewing your commercial debt — monitoring rate markets, covenant compliance, and portfolio opportunities as they arise.
→ When not to borrow
Structure comes first. If the facility doesn't stack — on DSCR, ICR, or the exit — we'll tell you. Sometimes the right call is not to borrow at all.
FAQs
Commercial finance — frequently asked.
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What is commercial finance and how does it differ from a home loan?
Commercial finance covers lending for business purposes — buying or refinancing commercial property, funding business operations, or financing equipment and trade. Unlike residential home loans, commercial lending is assessed on the income-generating capacity of the asset or business as well as the borrower's financial position. LVRs are typically lower, rates differ, and the assessment process is more complex.
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How much can I borrow for a commercial property in Canberra?
Commercial LVRs typically range from 60% to 75% for standard investment commercial, and up to 80% for owner-occupier commercial with strong business cash flow. Specialist assets or deals with weaker cash flow coverage may attract lower LVRs. The most important factor is usually the Debt Service Coverage Ratio (DSCR) — the rental income or business cash flow relative to debt repayments.
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What is a commercial mortgage broker and why use one in Canberra?
A commercial mortgage broker arranges commercial property finance on your behalf across multiple lenders. In Canberra's commercial market, this matters because not all lenders are active in the ACT, and commercial credit decisions are heavily influenced by how a deal is presented. A specialist commercial broker gives you access to the full market and presents your deal in a format lenders respond to.
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What does commercial debt advisory actually involve?
Commercial debt advisory goes beyond arranging a loan. It involves reviewing your entire commercial debt position — existing facilities, rates, security, covenants, and structure — and advising on improvements. This might mean refinancing to a better-structured facility, unwinding cross-collateralisation that's limiting your portfolio, negotiating covenant relief with an existing lender, or restructuring debt across a commercial portfolio ahead of a sale or acquisition.