Finance for different commercial property requirements
Owner-occupied property
Finance for businesses purchasing premises from which they operate.
Commercial investment property
Funding for income-producing commercial assets, assessed with consideration of the borrower and underlying lease profile.
Refinancing
Review existing commercial property debt where pricing, structure, maturity, security or future borrowing capacity needs to be reconsidered.
Development finance
Funding for eligible commercial development projects, assessed against factors such as project costs, borrower contribution, presales or leasing where relevant, and exit strategy.
Equity release
In some circumstances, existing property equity may support another legitimate business or investment requirement, subject to lender policy and serviceability.
Commercial property we can discuss funding for
What lenders consider in a commercial property application
There is no single commercial property lending formula. Assessment can include:
- Borrower financial strength and serviceability
- Property value and independent valuation
- Deposit or equity contribution
- Existing business and personal debt
- Rental income and lease terms
- Tenant quality and concentration
- Property type and location
- Loan purpose
- Development feasibility where applicable
- Proposed exit or repayment strategy
This is why borrowing capacity and deposit requirements vary from transaction to transaction.
Commercial mortgage broker support beyond the application
Winterfold helps bring the property transaction and finance strategy together.
We review the requirement, assess potential structures and lenders, coordinate information and valuation requirements, and manage lender discussions through the transaction.
For refinancing, that also means looking at the existing facility rather than comparing interest rates in isolation. Security, covenants, repayment terms, fees and flexibility can all matter to the overall outcome.
Related services
Asset Finance
Finance for equipment, machinery, plant, trucks, vehicles, fleets and other business assets.
Surety Bonds / Bank Guarantees
Facilities supporting tenders, contracts, leases and other commercial obligations.
Working Capital / Cashflow Funding
Support operating liquidity alongside an equipment purchase.
Commercial property finance FAQs
How much can I borrow for a commercial property?
It depends on the property, borrower, income, security and lender criteria. Commercial lending ratios can differ materially by property type and transaction.
What deposit is required?
There is no universal deposit requirement. Lenders consider the property type, valuation, borrower strength and overall risk when determining their maximum exposure.
Can an existing commercial property loan be refinanced?
Yes, subject to assessment. Refinancing may be considered to change lender, structure, pricing, security or the amount of debt.
How is development finance assessed?
Lenders typically examine the development feasibility, project costs, borrower contribution, experience, planning position, market demand and exit strategy, among other factors.