When it comes to commercial property finance, the stakes and the opportunities are often bigger. From purchasing a retail space or office to securing a warehouse or mixed-use development, the right loan structure can be the difference between a deal that works and one that stalls.

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As your finance partners, we’ll work closely with you to secure the best, most efficient outcome for your commercial venture.

 

Our goal is to make sure you’re ready to act quickly and confidently when the right opportunity presents itself.

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Whether you’re a first-time commercial buyer or a seasoned investor taking on a major project, we’ll help the process run smoothly and with minimal stress. We keep your best interests at the forefront - always looking for ways to maximise the potential benefits from your investment.

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Considerations When Looking At Commercial Property Loans

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Choosing a Lender – Not all lenders view commercial property in the same way. Some have tighter lending criteria, different appetite for certain industries, or require larger deposits. Your business and financial profile may be more attractive to certain banks or specialist lenders. That’s why it pays to compare — and it’s exactly what the team here at Neptune Finance Australia does best.

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Loan Structure & Features – Commercial loans can be set up in several ways: fixed or variable rates, interest-only or principal & interest repayments, offset facilities, or even tailored repayment schedules. The right structure will depend on your cash flow, tax strategy, and long-term plans — and we’ll help you choose the option that best suits your situation.

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Assessing Rental Yields & Returns – With commercial properties, yield calculations involve more than just rent and loan repayments — you’ll need to consider outgoings, vacancy risk, and potential capital growth. We’ll help you crunch the numbers so you can clearly see the potential return on your investment.