COMMERCIAL PROPERTY FINANCE
Start with the property, the business and the purpose.
Commercial finance needs a clear view of the transaction, cash flow, security and exit plan.
YOUR QUESTIONS, ANSWERED EARLY
The questions worth asking first.
How much deposit is required?
Commercial contribution requirements vary with property type, location, lease quality, borrower strength and lender appetite.
Are commercial loan terms the same as home loans?
No. Loan term, amortisation, fees, review conditions and security requirements can be materially different.
Can the business occupy the property?
Owner-occupied commercial property can be financed, subject to the business, property and facility meeting lender criteria.
How much can I borrow and how large a contribution will I need?
There is no single maximum for every commercial property. Property type, location, lease, valuation, borrower strength and lender appetite all affect the contribution and terms.
Will there be line fees, annual reviews or a shorter loan term?
Commercial facilities can include different fees, review requirements, amortisation and expiry dates. These terms should be compared alongside the headline interest rate.
YOUR DECISION, CLEARLY FRAMED
What matters before the application.
Commercial property finance is shaped by both the asset and the borrower. Property type, lease position, business use, contribution, experience and repayment capacity all influence the way a request is assessed.
WORKING WITH JIMMY
What the first conversation is like.
Can I talk before I am ready to apply?
Yes. You can start with questions, an early borrowing conversation or incomplete documents. The first step is to understand where you are now and what would make the next decision clearer.
Will my details be sent to a lender straight away?
No application is lodged without your agreement. Jimmy first reviews the situation, identifies missing information and explains the proposed pathway before you decide whether to proceed.
Will I deal directly with Jimmy?
Yes. You speak directly with Jimmy about the lending strategy, application questions and progress rather than being passed between a sales team and a call centre.
What will the service cost?
Any fee payable by you and any lender-paid commission arrangements will be explained before you proceed. Fees can differ for residential, commercial, business, development and specialist work, so the applicable terms need to be confirmed for your matter.
How long will it take?
Timing depends on the lender, valuation, document quality and complexity of the transaction. Once the pathway is clearer, Jimmy can explain the current requirements, likely sequence and any deadline risk that needs attention.
HOW JIMMY CAN HELP
A practical path from question to next step.
Define the transaction and identify the information missing from the funding request.
Present the property, borrower, cash flow and contribution as one coherent proposal.
Compare lender appetite, indicative structure and key conditions.
Coordinate valuation, supporting documents and approval milestones.
WHAT TO PREPARE
A useful first conversation starts with a few facts.
- Contract or property summary
- Lease details and rental information where relevant
- Business financial statements and tax returns
- Entity structure, contribution and existing facilities
Please do not send identity or financial documents through the website enquiry form.
WHAT HAPPENS NEXT
One clear step at a time.
Frame the transaction
Set out the asset, use, parties, contribution and required timing.
Build the credit picture
Bring together cash flow, security, experience and repayment strategy.
Manage conditions
Coordinate valuation, legal documents and lender conditions through settlement.
CLEAR EXPECTATIONS
Useful guidance without overpromising the outcome.
Commercial terms are transaction-specific and can include valuation, legal, review and establishment costs beyond the interest rate.
START WITH YOUR POSITION
Bring the facts.
Leave with a clearer next step.
Or call Jimmy on 0411 337 262