Commercial Property Loans

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Commercial Property Loans - FAQs.

  • Buying commercial property can provide long-term financial benefits such as asset appreciation, control over the property, and potential rental income. It also eliminates uncertainties associated with renting, like rent hikes or lease renewals.

  • Our Commercial Property Loans cover a variety of properties including office spaces, retail outlets, warehouses, and industrial buildings. We cater to different commercial property needs to support your business growth.

  • Repayment terms vary based on your loan amount, property type, and financial circumstances. We offer flexible repayment options to align with your business’s financial planning and cash flow management.

Ready to invest for the future?

Commercial Property loan options

Maximise your business’s funding potential. Whether you need to purchase a commercial property, finance assets and equipment, streamline your invoicing, or secure working capital,

Our team of experienced brokers will work with you to find the best financing options to meet your unique needs.

  • Whether you're looking to acquire, refinance, or develop a commercial property, our team of experts will work with you to find the best financing options to meet your unique needs.

    With our in-depth understanding of the market and years of experience, we'll help you secure the funding you need to achieve your goals.

  • Have you considered using the funds in your Self Managed Super Fund to invest in commercial property?

    The savings you’ve built up in your Superannuation Fund can be used to make investments in a range of asset classes. By transferring your super to a new or established Self Managed Superannuation Fund (SMSF) the opportunity to use gearing to purchase property may become available.

    Using your SMSF funds as a deposit, some lenders will approve loans starting at just $100,000 to purchase property, and the income generated from the rental can help meet your repayments.

    With commercial property, it may be possible for your SMSF to purchase a property that will be occupied by your business, as long as the rent is at market rates.

    Essentially this type of finance is a Term Loan with features such as flexible terms up to 30 years, the choice of principal and interest or interest only repayment, and the options of fixed or variable rates, or a combination of both.

    There are many rules and regulations governing your SMSF so it’s important you get the advice of a financial professional, like your accountant or financial planner to assist you to make the right choices.

  • Terms loans are commonly used to buy commercial real estate, or to buy an existing business or franchise.

    If you’re familiar with home loans, you’ll understand the principles of how a term loan works. Generally speaking, this type of loan can be used for two purposes – business or property.

    Business purposes includes buying a trading business or franchise, a new business start-up or the expansion of an existing business.

    The types of commercial real estate purchased encompasses a very broad spectrum. The types of real estate include established, vacant or to be developed land; owner occupied or investment; and zoned from retail, industrial, office, warehouse, factory unit, to specialised property such as aged care facilities, or hotels and taverns.

Considering the right property

  • Whether you are investing in commercial or retail spaces. Look for properties in areas with strong economic growth, good transportation links, and a stable tenant base.

  • Different types of commercial properties come with their own unique set of risks and rewards. For example, office buildings may have longer lease terms but may also be more susceptible to changes in technology or shifts in the job market. Retail centers, on the other hand, may have shorter lease terms but may also be more resistant to economic downturns.

  • It's important to thoroughly research the credit-worthiness and reputation of potential tenants to ensure they will be able to pay rent on time and maintain the property. Having a diverse tenant base can also help to spread risk.

  • Financing options for commercial real estate investments can include traditional loans, crowdfunding, or partnership arrangements. Carefully consider the terms and costs of each option to determine the best fit for your investment goals and risk tolerance.

  • Managing a commercial property can be time-consuming and requires a range of skills, from leasing and marketing to maintenance and repairs. Consider whether you have the expertise and resources to manage the property yourself or if it would be more practical to hire a property management company.

Real Success Stories

  • Manufacturing Success: From Renter to Owner

    The founder of a high-tech manufacturing company was operating in a rented warehouse, which limited expansion and increased expenses due to rising rents. Deciding to invest in the company's future, they obtained a Commercial Property Loan to purchase a strategically located factory.

    Owning the property allowed for customisation and expansion of manufacturing capabilities, turning a recurring expense into a valuable asset, improving cash flow, and laying a foundation for long-term growth and innovation.

  • Equipping Success: A Logistics Company's Journey

    A growing logistics company faced the challenge of expanding its fleet while managing cash flow. The Asset Finance solution provided by Shire enabled the acquisition of state-of-the-art vehicles, enhancing delivery capabilities and efficiency.

    This strategic investment, supported by manageable repayment plans, positioned the company as a leader in logistics services.

  • Building a Secure Future with Smart Investing

    A couple, planning for retirement, used their Self-Managed Super Fund (SMSF) to invest in property. Shire's SMSF Loan helped them purchase a rental property, adding a steady income stream to their retirement funds.

    The guidance provided on regulatory compliance and investment strategies made this a smooth and profitable venture.

  • A Boutique's Journey to Property Ownership

    Co-owners of a thriving fashion boutique were grappling with escalating rent that threatened their profitability.

    They decided to invest in their future by purchasing a storefront in a prime retail location with the help of a Commercial Property Loan. This move not only eliminated their rental expenses but also reduced their operational costs, allowing for reinvestment in the business and growth in customer base and revenue.

  • Construction Firm's Green Initiative

    An eco-friendly construction firm aimed to integrate sustainable technology into their operations.

    Asset Finance from Shire facilitated the purchase of solar-powered equipment, reducing the firm's carbon footprint and operating costs. T

    his move aligned with their green philosophy and attracted new clients interested in sustainable construction.

  • From Shares to Property: A Diversified Portfolio

    A financial advisor recognised the potential in diversifying their investments. Through an SMSF Loan from Shire, they added a commercial property to their portfolio, which was previously dominated by shares.

    This strategic move diversified their investment risks and opened up new avenues for income generation.