COMMERCIAL PROPERTY FINANCE | SUNSHINE COAST & SOUTH EAST QUEENSLAND
Commercial Mortgage Broker For Commercial Property Loans
Buying business premises, investing in commercial property or refinancing an existing loan? CJG Finance compares options from banks and specialist lenders and helps structure your application around your property, cash flow and long-term plans.
Commercial Property Finance For Business Owners And Investors
Commercial property finance is rarely one-size-fits-all. Different lenders take different approaches to property type, location, lease arrangements, business financials, borrower experience and the amount of deposit or equity available.
CJG Finance helps business owners and property investors understand these requirements, compare suitable lending options and structure a commercial property loan around their immediate needs and longer-term plans.
Whether you are purchasing premises for your own business, investing in a tenanted commercial property or refinancing an existing facility, commercial mortgage broker Colin Green can manage the process from initial assessment through to settlement.
Based on the Sunshine Coast, CJG Finance assists clients throughout Brisbane, Toowoomba and the wider South East Queensland region.
How A Commercial Property Loan Broker Can Help
Commercial lending policies vary considerably between banks and specialist lenders. A commercial property loan broker can help identify which lenders are most likely to suit the property, borrower and proposed loan structure before an application is submitted.
CJG Finance can assist by:
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Assessing the purpose of the loan and your likely borrowing requirements.
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Reviewing the available deposit, equity and supporting security.
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Comparing options across banks, non-bank lenders and specialist commercial lenders.
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Structuring finance for an owner-occupied or investment property.
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Identifying the financial information and supporting documents required.
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Preparing and presenting the application to the selected lender.
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Coordinating valuations, lender questions, approval conditions and settlement.
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Reviewing an existing commercial property loan where refinancing may be appropriate.
This reduces the need to approach multiple lenders independently and helps ensure the application is directed to a lender whose policies are compatible with the transaction.
Commercial Property Loans For Different Finance Goals
Buying Premises For Your Business
Purchasing an office, warehouse, factory, retail premises or professional suite can give a business greater control over its location and occupancy costs. We can help assess the available loan structures and identify lenders suited to owner-occupied commercial property.
Investing In Commercial Property
Commercial investors may need finance for tenanted offices, retail premises, industrial assets, medical facilities or mixed-use property. Lenders will generally consider the property, lease, tenant profile, rental income and the borrower’s overall financial position.
Refinancing An Existing Commercial Mortgage
Refinancing may provide an opportunity to review your rate, loan term, repayment structure, security arrangements or access to equity. CJG can compare the existing facility with alternative commercial lending options and assess whether changing lenders is worthwhile.
Commercial Property Through An SMSF
Some businesses and investors purchase commercial property through a self-managed super fund (SMSF Finance). These transactions require specialist loan structures and professional tax and legal advice.
Property Development And Construction Finance
Funding for land acquisition, construction, subdivision or a property development project is generally assessed differently from a standard commercial property purchase.
Commercial Properties We Can Help Finance
Commercial property loans can be used to purchase or refinance a range of owner-occupied and investment properties, including:
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Offices and professional suites.
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Shops, retail premises and shopping centres.
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Warehouses, factories and industrial facilities.
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Medical, allied health and childcare premises.
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Hospitality and accommodation properties.
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Mixed-use commercial properties.
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Specialised commercial premises, subject to lender requirements.
What Do Commercial Property Lenders Assess?
Commercial lenders assess more than the value of the property. The information required and the weight given to each factor will depend on the lender and the proposed transaction.
Common considerations include:
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The purpose and proposed amount of the loan.
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The property type, location, condition and marketability.
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Whether the property will be owner-occupied or leased to tenants.
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The available deposit, equity and loan-to-value ratio.
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Business cash flow or investment income available to service the loan.
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Trading history, financial statements and tax returns.
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Existing debts, assets, liabilities and credit history.
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Lease terms, tenant quality and rental income where applicable.
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The borrower’s relevant business or property investment experience.
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The repayment or exit strategy for shorter-term lending.
CJG Finance can review these factors before approaching a lender and identify any issues that may need to be addressed as part of the application.
Our Commercial Mortgage Broking Process
1. Understand Your Plans
We discuss the property, loan purpose, business position, available contribution and preferred timeframe to establish what the finance needs to achieve.
2. Review Your Financial Position
Colin reviews your financial information, existing commitments, deposit or equity, proposed security and likely capacity to meet the lender’s requirements.
3. Structure The Loan
We consider suitable loan structures, repayment arrangements & security options based on the property, proposed transaction & your longer-term plans.
4. Compare Commercial Lenders
CJG compares suitable banks, non-bank lenders and specialist commercial financiers whose policies and lending appetite align with the proposed transaction.
5. Prepare The Application
We help prepare the required documents, submit the application and manage lender questions, valuations, approval conditions and further information requests.
6. Approval And Settlement
Once approved, we coordinate the remaining requirements through to settlement & remain available to review the facility as your circumstances change.
MFAA Excellence Awards State Finalist 2023
Why Choose CJG As Your Commercial Mortgage Broker?
Commercial property lending can be more complex than a standard residential mortgage. Different lenders apply different policies to property types, lease arrangements, business income, loan structures and supporting security.
CJG Finance combines commercial lending experience with access to banks, non-bank lenders and specialist commercial financiers. Colin works directly with you to understand the proposed transaction, identify suitable lending options and manage the application through to settlement.
100+
5 star reviews
Rated 5 out of 5 by all our customers on Google and Facebook.
Direct access to 40+ lenders
A extensive lending panel gives us more options to find the right loan solution.
A Well-Prepared Application
We know the what lenders are looking for and can increase your chances of approval.
Commercial Financial Experience
Many years experience mean a deep knowledge of the finance industry & lending market.
Always in
your corner
We work for you not the bank so we're always in your corner negotiating the best terms.
Deliver
great results
We always aim to deliver the best possible results for our clients.
Meet Our Commercial Mortgage Broker: Colin Green
CJG Finance Managing Director Colin Green has worked in the finance industry since 2008, building extensive experience across commercial property, business, development and asset finance.
Colin works directly with business owners and property investors to understand their plans, assess the proposed transaction and identify lenders whose commercial policies align with their needs. He remains involved throughout the application, helping coordinate lender requirements, valuations, approval conditions and settlement.
Known for being responsive, practical and persistent, Colin keeps clients informed throughout the process and focuses on securing a finance structure suited to their immediate requirements and longer-term goals.
FAQs About Commercial Property Finance
What Is Commercial Property Finance?
Commercial property finance is funding used to purchase, refinance or access equity in property held for business or investment purposes. It may apply to offices, shops, warehouses, factories, medical premises, mixed-use properties and other commercial assets. The available loan structures and terms will depend on the borrower, property and lender requirements.
What Does A Commercial Mortgage Broker Do?
A commercial mortgage broker is a finance professional who acts as an intermediary between borrowers and lenders. Their role is to compare lending options across multiple banks and financial institutions to find the most suitable loan for a client’s needs.
Why Use A Commercial Mortgage Broker Instead Of Approaching A Bank?
A bank can only offer its own commercial lending products and apply its own credit policies. A commercial property loan broker can compare options across banks, non-bank lenders and specialist commercial financiers. This can help identify lenders whose policies and lending appetite are better aligned with the property and proposed transaction.
How Much Deposit Do I Need For A Commercial Property Loan?
There is no single minimum deposit for every commercial property loan. The required contribution will depend on factors such as the property type, location, loan purpose, borrower, lease arrangements and the lender’s maximum loan-to-value ratio. Specialised or higher-risk properties may require a larger contribution than standard commercial premises.
Can I Get A Commercial Property Loan If I Am Self-Employed?
Yes. Commercial lenders regularly provide finance to self-employed borrowers and business owners. They may consider factors including trading history, business financial statements, tax returns, bank statements, cash flow, deposit or equity and the proposed property. Requirements vary between lenders and loan types.
What Documents Are Required For A Commercial Property Loan?
The documents required will depend on the lender and transaction. They may include identification, business financial statements, tax returns, bank statements, details of assets and liabilities, the property contract, valuation information and copies of relevant leases. Forecasts or a business plan may also be requested in some circumstances.
Can CJG Help With Owner-Occupied And Investment Commercial Properties?
Yes. CJG can assist businesses purchasing premises for their own operations as well as investors purchasing income-producing commercial property. Owner-occupied lending commonly focuses on business performance and cash flow, while investment lending may place greater emphasis on rental income, lease terms, tenant quality and the property itself.
How Long Does Commercial Property Loan Approval Take?
Approval timeframes vary depending on the lender, property, loan structure and complexity of the application. The availability of financial documents and the time required for valuations can also affect the process. CJG helps identify the required information at the beginning and manages lender requests as the application progresses.
What Is The Difference Between A Commercial Property Loan And A Residential Mortgage?
A residential mortgage is generally used to finance a home or residential investment property. A commercial property loan applies to premises used for business or commercial investment purposes. Commercial lenders may assess property type, lease arrangements, tenant quality, business cash flow and the proposed loan structure, and their deposit requirements, fees and loan terms may differ from residential lending.
