At Strategic Brokers we have an allocated team that specialise in commercial property – development and non-development. To understand a client’s commercial property requirements, our team take the time to understand your future property goals and guide you through the entire loan process to ensure your experience is stress free.


We also have access to over 30 lenders, including major banks and non-bank lenders. Our relationship with a large number of lenders allows our team to find the ideal loan to suit each individual situation.

The Commercial Lending Process
The commercial lending process is very similar to a residential property loan however there are a few more questions you’ll need to answer during the process.

The application process includes:

  • Your capacity to repay – all your income including expected rental income from the commercial property

  • Your deposit and any available equity

  • The type of commercial property – whether it’s a factory, office, warehouse or shop-front and its location, together with a valuer’s report.

  • Details of the commercial property lease and conditions.

Key differences between commercial and residential properties include:

  • Buying a commercial property involves paying Goods and Services Tax (GST), which may increase the cost of the property you’re looking to purchase by 10%.

  • Residential leases typically have a term of 6 to 12 months, while commercial property leases run for longer terms.

  • Commercial properties feature longer vacancy periods and the lessee bears the costs of maintenance, rates and repairs. This means the property owners pocket more of the rent as profit. In residential properties, the property owner is responsible for these expenses.

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At Strategic Brokers, we make the loan application process easier!

Contact us on (02) 8188 1088 to speak about your loan options.

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