08/09/2026
How to Finance a Commercial Property Investment 💰
Financing commercial property works differently from financing a home — here’s what to expect.
🏦 Lenders look at: any existing lease, your income (including rental income), your deposit, and details of the property itself.
📈 Borrowing power: commercial lenders are typically stricter, requiring a larger deposit — and mortgage insurance usually isn't available.
⚖️ Why it's different: loans are priced around risk — location, tenancy, and lease terms all play a role. Straightforward assets like offices are generally lower risk than specialised properties, and rates are usually negotiated rather than advertised.
⚠️ Watch out for: higher upfront costs, the gap between residential and commercial rates, and buying without a tenant lined up.
💡 Because commercial finance is more complex, it’s worth building a team — a broker, accountant, solicitor, and financial advisor — before deciding.
Interested in commercial property? The team at WHK Commercial is here to help. Get in touch today!
📲 (02) 4229 6640
🌐 www.whkcommercial.com.au