Owner Occupier / Commercial
We’re serious about looking after you.
If you’re considering purchasing commercial property, we’re here to guide you through the process.
Owning your premises provides stability for your business and allows you to tailor the building to suit your operational needs. With funding options up to 80% of the property value, you can explore the advantages of creating equity while potentially enjoying cost-effective repayments compared to ongoing rent.
Finance Options
Our range of finance options include:
Professional Packages
This finance option is suitable for large sums of money with the option to bundle together several products and save.
Construction Loans
This finance option is generally short term whereby the lender takes an ownership interest in the building funded.
Bridging Loans
This is typically taken out on top of your current home loan and is an interest only payment loan with a limited term.
Split Loans
A split mortgage allows you to capitalise on the benefit of both the security of a fixed rate loan and the flexibility of a variable interest loan.
Line of Credit/Equity Release
This is an ongoing agreement with a financial institution to give you access to an amount of credit whenever you need it which is secured against the equity in your home.
Broker Tips To Secure A Loan
A Substantial Deposit
The bigger the better when you are saving for a home. A minimum 5% deposit is a good goal.
A Regular Savings Habit
A history of regular savings in your bank account and a solid track record of employment will make it easier for you to get a loan.
Pre-Approval For A Loan
Don’t leave finance to the last minute. Once you have pre-approval you will know what your repayments will be and how much you can afford to spend on a property.
Additional Savings
These funds will act as a buffer if interest rates rise and your repayments increase.
A Clean Credit History
Your track record has a big influence on your future borrowing capacity.