Commercial Property Finance To Help Secure Your Future
Investing in commercial property can be a lucrative way to grow your business or expand your investment portfolio. Whether you're looking to buy an office building, retail space, industrial facility, or a mixed-use development, CJG Finance offers tailored commercial property loans to suit your needs. With our expert team, we simplify the financing process and guide you every step of the way, ensuring you get the best loan structure for your investment.
CJG Finance specialise in business, property and asset finance. So whether you are looking at buying a commercial property as a business owner or you're a property investor looking for longer term income generation, we can help you secure the right loan and terms for your needs.
CJG: A Commercial Mortgage Broker Who Is A Partner In Your Success
With years of experience working in the finance industry, we understand the way banks and lenders operate and we aim to make the process of securing commercial property loans simple and stress-free.
With access to a panel of over 30 lenders, CJG Finance will negotiate on your behalf, with a goal of securing you the best finance solution for your needs, competitive rates and terms and a fast, favourable outcome.
What is Commercial Property Finance?
Commercial property finance is a loan designed for purchasing, refinancing or developing commercial properties. Unlike residential mortgages, commercial property loans cater to properties that generate income or are used for business purposes. These loans can cover a wide range of property types, including:
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Office Buildings: Ideal for businesses looking to own their office space or investors aiming to lease out office units.
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Retail Spaces: Suitable for shops, shopping centres, and other retail outlets.
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Industrial Facilities: Financing for warehouses, factories, and logistics centres.
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Mixed-Use Developments: Loans for properties combining residential, retail, and commercial uses.
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Medical and Healthcare Facilities: Specialised finance for clinics, medical centres, and aged care facilities.
Types Of Commercial Property Loans We Can Help With
We can help with a wide variety of commercial property loans including:
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Standard Commercial Loans: Ideal for established businesses and investors looking to purchase existing commercial properties.
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Commercial Construction Loans: For developers and investors planning new commercial developments.
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Commercial Bridging Loans: Short-term finance options for property purchases or renovations before a longer-term loan is secured.
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Refinancing Options: Restructure existing commercial loans to benefit from lower interest rates or better terms.
Who Is Eligible For A Commercial Property Loan?
Eligibility typically depends on factors such as credit history, financial stability, property type, and the ability to provide a deposit or other forms of security. CJG Finance can help assess your eligibility and find the right loan solution for your needs.
When a business reaches the point where it must scale up, purchases of commercial buildings like offices, factories, shops or even blocks of land for property development can be the next logical step.
While residential properties have long been a go-to choice for many investors, commercial property investment offers a range of unique advantages. Talk to us about finance for commercial property investment.
Specialist commercial property finance is available for property developers looking to acquire land, finance construction, renovation, refurbishment or conversion of residential or commercial buildings
Collateral Requirements For Commercial Property Lending
Commercial property finance usually comes with a collateral requirement; lenders expect that a business seeking a sizeable loan will be willing to put up an existing asset as collateral or make a cash contribution. Lenders will often need to evaluate financial history, income, and credit.
In some cases, however, a 'lease doc' arrangement can suit a business. Lease Doc arrangements allow property acquisition based on the rental income it generates as a standalone factor. Lease Doc arrangements can be a quick turn-around option for the right situation.
Commercial property loans usually require up to a 30% deposit against the loan's value; the commercial mortgage broker at CJG Finance can help connect buyers to the lender with the best terms and policies.
MFAA Excellence Awards State Finalist 2023
Why Choose CJG As Your Commercial Mortgage Broker?
At CJG Finance, we specialise in matching clients with the best commercial property loans available. Here’s why businesses and investors choose us:
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Tailored Loan Solutions: We understand that every commercial investment is unique. We work closely with you to tailor finance solutions that match your property goals.
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Wide Range of Lenders: We have strong relationships with various banks and lenders, giving you access to a broad selection of commercial finance options.
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Expert Advice: With years of experience in the industry, our knowledgeable finance broker provides clear, practical advice to help you make informed decisions.
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Streamlined Process: We handle the paperwork, negotiations, and approval process, so you can focus on your business while we secure the best loan for you.
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Competitive Rates: Our connections with multiple lenders allow us to find competitive rates and terms that suit your budget and long-term investment goals.
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Rated 5 out of 5 by all our customers on Google and Facebook.
Direct access to 25+ lenders
A extensive lending panel gives us more options to find the right loan solution.
Higher chance of approval
We know the what lenders are looking for and can increase your chances of approval.
Experienced industry experts
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
Managing Director Colin Green has been in the finance industry since 2008, over this time he has acquired a wealth of industry knowledge and experience assisting commercial customers. Passionate about connecting with his customers on a personal level, Colin understands relationships are key to a successful partnership.
He prides himself on being reliable, responsive and a “real go getter”, ensuring you are well informed from start to finish and beyond.
Working with clients across a diverse range of sectors, no customer is too big or too small and Colin has the skills and expertise to secure the right finance option for you or your business.
Outside of finance he keeps busy chasing his two young sons around, supporting his not so successful NRL team (not to be disclosed) and exploring the coast with his wife.
FAQs About Commercial Property Finance
What is commercial property finance?
Commercial property finance refers to loans used to purchase, refinance, or develop property for business or investment purposes. This type of finance typically applies to assets such as offices, shops, warehouses, or mixed-use buildings.
What is a commercial mortgage broker?
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?
Using a commercial mortgage broker can save you significant time and money. Brokers have access to a wider pool of lenders than most individuals could approach directly, which increases your chances of securing a competitive interest rate. They also help navigate complex lending requirements and provide personalised advice tailored to your financial situation.
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What's the minimum deposit for a commercial property loan?
Typically, you will need a deposit of 20-30% of the property's value. However, the exact amount may vary depending on the lender and the property type.
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​Can I get a commercial property loan if I am self employed?
Yes, self-employed individuals are eligible for commercial property loans. You will need to provide evidence of stable income and financial stability.
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​What is the difference between a commercial property loan and a residential mortgage?
A commercial property loan is specifically for properties used for business purposes, while a residential mortgage is for properties where people live. Commercial loans often have different terms, interest rates, and eligibility criteria. Overall, commercial property loans are more complex and carry stricter requirements than residential property loans, primarily due to the risks associated with business ventures and the need to ensure that the property can generate enough income to cover loan repayments.
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Testimonials For Our Commercial Finance Expert
Helping You Find The Right Funding For Your Property Development Project.