Commercial property loans
for Canberra investors.

Black Mountain Financial arranges commercial property finance across the full asset spectrum in Canberra, the ACT, and regional NSW — including office buildings, industrial and logistics facilities, retail premises, childcare centres, medical and dental suites, mixed-use developments, service stations, pubs and hospitality venues, and self-storage facilities. If the asset generates consistent income and has clear market evidence, we can generally find a lender for it.

Investment commercial typically reaches up to 80% LVR, while owner-occupiers buying their own premises can often access up to 100% with the right structure and security. The exact figure depends on asset quality, tenant covenant strength, weighted average lease expiry (WALE), capitalisation rate, and your track record as an investor. We model the deal before approaching lenders to confirm the maximum achievable LVR.

Not always. Non-bank and private credit lenders will often assess deals on a low-doc or asset-backed basis, particularly for strong income-producing assets where the rental income clearly services the debt. For major bank lending, two years of financials and tax returns is standard. We'll tell you upfront what documentation is required based on your specific scenario and preferred lender.

A straightforward commercial investment loan through a major Australian bank typically takes 4–8 weeks from formal application to settlement. Non-bank lenders generally move faster — often 2–4 weeks. Bridging finance and private credit facilities can be approved and funded in as little as 2–3 weeks when required. We manage the entire process, including valuations, lease checks, and lender queries.

Yes — refinancing is one of the most common reasons Canberra and ACT investors engage us. Common reasons to refinance include releasing equity for the next acquisition, reducing the interest rate, restructuring covenant terms, extending loan maturity, or consolidating multiple facilities into a single portfolio line. We model the full cost-benefit before recommending a switch.

A commercial property loan is assessed primarily on the income-producing capacity of the asset — not the borrower's personal income. Lenders analyse the interest coverage ratio (ICR), weighted average lease expiry (WALE), capitalisation rate, and tenant covenant quality. Loan terms are typically shorter (1–5 years with interest-only options), and the credit process is more detailed. This is where specialist structuring makes a material difference to the outcome.

Yes. While we are based in Canberra, ACT, we arrange commercial property finance for clients across regional New South Wales, the Southern Highlands, Queanbeyan, Goulburn, and other ACT-adjacent markets. We also work with interstate investors acquiring assets in the ACT. Our lender network is national.