Commercial Property Loans in Perth

Commercial property lending runs on different rules to home loans. Deposits are larger, loan terms are often shorter, and each lender has its own view on property type, lease strength and location. Approach the wrong lender and a good deal can stall at valuation.

Launch Finance arranges commercial property loans for Perth business owners and investors, from a first warehouse or office suite to a multi-tenant investment. We match your purchase to lenders with an appetite for that type of property and negotiate the terms.

What we finance

• Owner-occupied premises. Offices, warehouses, workshops and professional suites
• Commercial investment property. Leased office, retail and industrial assets
• Refinancing and equity release from commercial property you already own
• SMSF purchases, including buying your own business premises through super

How much deposit do I need for a commercial property in Perth?

Most commercial purchases need a deposit of 25% to 35%, so a $1.5 million property typically requires $375,000 to $525,000 before costs. Owner-occupiers with a strong trading history may be able to borrow up to 80% of the property's value through some specialist lenders. Equity in your home or other property can often be used towards the deposit.

How do lenders assess a commercial property loan?

For owner-occupiers, the focus is on your business financials and the ability of the business to service the debt. For investors, it's the lease: the strength of the tenant, the remaining lease term and the rental income. Zoning and property type matter too. Standard office, retail and industrial property attracts higher lending limits than specialist-use or rural assets.

What happens next

A 15-minute discovery call. We review the property, the lease or your business financials, and take the deal to the commercial lenders most likely to back it. We manage the valuation, the credit process and settlement.

Call 08 9367 4222 or request a callback to discuss your purchase.