Commercial Loans

Commercial Business Loans specifically for Investment in commercial property such as office or retail accommodation are generally available by first mortgage loan up to a loan to security ratio of 70%.

In some circumstances the commercial business loan may even be approved based solely on the servicing provided by the rental or lease returns provided by the tenant of the subject property.  This is achieved by the rental income from this property being able to service the debt outstanding after sensitising the interest rate on the commercial business loan by say 2% and the subsequent interest calculation being covered 1.15 times by the rental receipts.

When considering funding for commercial real estate investment, good market knowledge is extremely important. Obtaining the services of a broker who understands or can research the intricacies of both the property and financial markets can prove the difference between a great deal and an ordinary deal.

At 123 Home Loans, we have a close alignment and association with leading property market practitioners, including those in agency sales, valuation and construction. This, plus our long-term relationships with lending institutions, gives us the capacity to have a unique market overview. Not only do we have up-to-date knowledge across the full spectrum of the property market, but our people are keenly aware of the availability and pricing of the right funds for each situation.