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Commercial Property Loans

Purchase or refinance retail, office, industrial or mixed-use property. Build a robust, sustainable financing structure secured by the asset and supported by its lease profile.
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What is a commercial property loan?

A commercial property loan is a mortgage specifically used to purchase, refinance, or develop commercial real estate. Unlike a general business loan, it is secured against the commercial property being purchased or refinanced.

Eligible property types may include:

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Office Properties:

Loans for office buildings used by professional services, corporate tenants, or mixed-use occupiers.

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Industrial Properties:

Warehouses, factories, and logistics facilities used for storage, manufacturing, or distribution.

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Retail Properties:

Shops, cafés, and retail centres generating rental income from trading businesses.

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Development Sites:

Vacant or underutilised land intended for commercial or mixed-use development projects.

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Specialist Assets:

Hotels, motels, medical centres, vineyards, and other niche commercial properties.

Debt Consolidation

Who it's for

Individuals or entities looking to purchase or refinance retail, office, industrial, or mixed-use property.

Yield-focused investors seeking stable rental cash flow and a long-term hold.

Owner-occupiers aiming to enhance business stability and capital allocation through owning their premises.

Big Purchases or Expenses

What lenders look at

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Location:

Pricing can differ by property type — retail, industrial, office, or mixed-use — and by micro-location fundamentals.

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Lease quality:

Remaining lease term, weighted average lease term (WALT), tenant covenant strength, rent review clauses, and vacancy risk.

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Valuation:

An independent registered valuation may be required. A professional valuer assesses market value to support lending and pricing decisions.

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LVR:

Commercial LVRs are generally lower than residential. Many lenders expect 30–35% equity, meaning maximum lending is often around 65–70% of the property value, subject to the asset type, lease strength, and borrower profile.

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%NBS:

The earthquake strength of the building is a critical factor, especially in New Zealand. Lenders generally prefer a rating of at least 67% of the New Building Standard (%NBS).

Q&A

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Q: Does a %NBS rating prove that a building is "safe"?

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Q: Can I use a commercial property loan to buy a home?

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Q: Are commercial property loan interest rates usually higher than home loan rates?

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Q: How does LVR affect my deal?

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Talk to us today about how a commercial property loan could support your purchase, refinance, or investment goals.

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