Commercial Property Finance

Commercial Property Finance opendoors finance

Commercial property finance can support the purchase, refinancing or expansion of business-related real estate. Whether you’re securing an office, warehouse, retail space or industrial facility, Open Doors Finance provides clear guidance on lending options, lender requirements and documentation needed to progress your application.

We help you understand how commercial loans work so you can make informed decisions with confidence.

What Is Commercial Property Finance?

Commercial property finance is used to purchase or refinance properties that are intended for business or investment use.

These may include:

Because commercial property carries different risks and valuation methods than residential property, lenders assess applications differently.

We explain these requirements clearly.

How We Support Your Commercial Property Goals

Understanding Your Strategy & Property Type

We review your business model, property purpose and long-term intentions.

Outlining Suitable Lending Options

We explain commercial loan structures and product differences in clear, simple language.

Reviewing Lender Requirements

Commercial lenders consider:

  • Business income and financials
  • Lease agreements and rental income
  • Security property type and valuation
  • Cashflow and liabilities
  • Credit profile

Preparing Documentation

We assist with tax returns, BAS, financial statements, identification and property documentation.

Supporting You Through Application & Settlement

We liaise with the lender, provide updates and guide you through settlement.

Commercial Property Finance opendoors finance

Key Considerations Before Applying

Commercial lending differs from residential lending in several ways. Key points include:

Higher or varying loan-to-value ratios (LVRs)

Different interest rate structures

Property type and zoning restrictions

Valuation requirements

Lease conditions (if an investment property)

Repayment schedules

Security and guarantor requirements

We explain these factors to help you make informed decisions.

why choose opendoors finance

Why Choose Open Doors Finance

Your commercial property finance is handled with clarity and professionalism.

Lending Partners

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Types of Commercial Property Loans

Full-Doc Commercial Loan

Suitable for established businesses with complete financials such as tax returns, BAS and profit-and-loss statements.

Low-Doc or Alt-Doc Commercial Loan

For self-employed applicants using alternative income verification methods (depending on lender policy).

Lease Doc Loan

Assessed primarily on the strength of the lease agreement and rental income (product dependent).

Commercial SMSF Loan

Used when acquiring commercial property through a Self-Managed Super Fund.
(We explain requirements but do not provide tax or financial advice.)

Non-Bank & Private Lending

Suitable for unique commercial purchases or when traditional lending criteria cannot be met.

We explain the benefits, risks and requirements of each structure.

Move Forward with Confidence

Commercial property finance is a significant decision.

Open Doors Finance – Mortgage Advisor provides clear, structured guidance to help you understand your options and progress with confidence.

Frequently Asked Questions