Grow Your Business with Strategic Commercial Property Finance
Finance office spaces, retail shops, warehouses, and industrial properties with flexible commercial loan solutions.
Construction and development finance for residential subdivisions, unit developments, and commercial projects.
Purchase commercial property through your self-managed super fund for long-term wealth creation and tax benefits.
Commercial property finance helps businesses and investors acquire office spaces, retail premises, warehouses, industrial facilities, and mixed-use properties. Build wealth through commercial real estate with tailored financing solutions.
Single or multi-tenant office spaces, medical suites, professional offices, and corporate headquarters.
Shopping centers, standalone shops, strip malls, restaurants, and hospitality venues.
Warehouses, distribution centers, manufacturing facilities, and logistics hubs.
Properties combining residential, commercial, retail, or office spaces in one development.
Medical centers, childcare facilities, service stations, car washes, and self-storage facilities.
Purchase commercial property for your own business operations with favorable owner-occupier rates.
Access competitive interest rates for commercial property, typically starting from 6.5-9% p.a. depending on property type, LVR, and covenant strength.
Customize your loan to match your business cash flow and investment strategy with flexible terms and repayment options.
Borrow up to 80% of the property value for investment commercial property, or up to 90% for owner-occupied premises.
Maximize tax deductions on your commercial property investment with expert structuring advice.
Commercial property offers higher rental yields (typically 5-8% compared to 2-4% for residential), longer lease terms providing stable income, and less landlord obligations than residential properties. Many commercial leases are triple-net, meaning tenants pay rates, insurance, and maintenance costs.
Commercial properties can also appreciate significantly in value based on rental income performance, making them excellent wealth-building assets for businesses and investors.
We specialize in complex commercial transactions and have access to specialist commercial lenders beyond the major banks.
Our team has extensive experience in commercial property finance, understanding complex deals and structuring solutions.
Access to specialist commercial lenders, private lenders, and non-bank institutions beyond the major banks.
Expert advice on structuring your commercial loan for optimal tax benefits and asset protection.
We manage the entire process from pre-approval to settlement, liaising with all parties involved.
Development finance funds the construction of new properties or major renovations. Whether you're building residential units, townhouses, subdivisions, or commercial developments, we'll help you secure the funding you need.
Finance for residential developments including unit blocks, townhouses, dual occupancies, and land subdivisions. Suitable for builders and developers of all sizes.
Funding for commercial construction projects including office buildings, retail centers, warehouses, and mixed-use developments.
Progressive drawdown facilities that release funds as construction milestones are completed, ensuring you only pay interest on funds drawn.
Additional funding to bridge equity gaps or increase project scope. Sits between senior debt and equity, typically at higher interest rates.
Borrow up to 80% of total development costs including land, construction, and holding costs.
Option to capitalize interest during construction, reducing cash flow requirements.
Funds released as construction stages are completed and certified by quantity surveyors.
Help structuring your exit via sales, refinance to investment loans, or permanent financing.
Detailed project feasibility showing costs, sales projections, and profit margins.
Development approval (DA) or construction certificate (CC) from local council.
Fixed-price building contract with licensed builder or quantity surveyor's cost estimates.
Track record of completed developments, though first-time developers are considered.
Development finance is more complex than standard property loans. Lenders assess project viability, your experience, market conditions, presales (for larger projects), and exit strategies. Interest rates are typically higher (8-12% p.a.) due to construction risk. We help you prepare comprehensive applications that maximize approval chances and minimize costs.
Build wealth and grow your business through strategic commercial property investment
Commercial properties typically deliver rental yields of 5-8% compared to 2-4% for residential, providing stronger cash flow and faster wealth accumulation for investors and business owners.
Commercial tenants typically sign 3-10 year leases with built-in rent increases, providing stable, predictable income and reducing vacancy risk compared to residential properties.
Maximize tax deductions through interest payments, depreciation on buildings and fit-outs, and GST credits. Commercial property offers superior tax benefits for businesses and investors.
Self-managed super funds can purchase commercial property, including property your business operates from. This powerful strategy allows you to build retirement wealth while potentially reducing business overheads.
Your SMSF can purchase commercial property and lease it to your business at market rates, with rent paid to your super fund.
Rental income is taxed at just 15% in accumulation phase or 0% in pension phase, far lower than personal tax rates.
Property appreciation and rental income grow your superannuation balance in a tax-effective environment.
Your business can claim rent payments as tax deductions, reducing taxable income while building super.
Property held in SMSF is protected from business creditors and provides separation of business and personal assets.
One-third CGT discount in accumulation phase, or 0% capital gains tax if sold during pension phase.
Property must be held in a bare trust structure with limited recourse to SMSF assets.
Typically up to 80% LVR for commercial property, requiring 20% deposit from SMSF funds.
Investment must satisfy the sole purpose test of providing retirement benefits to members.
If leasing to related party, rent must be at commercial market rates supported by valuation.
Work with SMSF accountants and financial advisors to ensure compliance with super regulations.
SMSF must pay all property costs from fund income or member contributions.
Consider how you'll repay the loan and what happens if business circumstances change.
Most commercial property types are eligible, but residential cannot be leased to members.
Get answers to common questions about commercial loans
At ALS Mortgage Solutions, we provide comprehensive commercial finance services beyond just finding you a loan
Expert advice on commercial lease terms and structuring to ensure favorable conditions that support your loan application and protect your interests.
Strategic advice on commercial property investment including market analysis, yield assessment, and portfolio diversification strategies.
Access to our network of commercial property specialists including accountants, lawyers, valuers, and quantity surveyors.
Guidance on optimal ownership structures (companies, trusts, SMSF) for asset protection and tax efficiency in consultation with your accountant.
Ongoing relationship management with your lender for future funding needs, loan variations, and maintaining favorable terms.
Regular reviews of your commercial property portfolio and loans to identify refinancing opportunities and optimize your investment returns.
Get in touch with our expert team today for a free consultation and personalized lending solution.
