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Finance That Moves Your Business Forward

Whether you're buying your first office to stop paying rent, refinancing a warehouse, or investing in a retail property, the finance is different from a residential loan. HSD Finance matches you with lenders that understand commercial property and your business goals.

What is a Commercial Property Loan?

A commercial property loan is a mortgage used to buy property zoned for business use. This includes offices, shops, industrial warehouses, and medical suites. Compared with residential lending, commercial loans often come with lower loan-to-value ratios, shorter loan terms, and a stronger focus on the asset and business cash flow.

Lenders would typically expect:

  • Lower LVRs: Expect a deposit of 20-30% (65-80% LVR).
  • Shorter Loan Terms: Often 15-25 years instead of 30.
  • Different Assessment: Lenders assess the property's value, lease strength, and your business cash flow.

Loan Types We Arrange

We tailor the finance structure to suit how you plan to use the property:

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Owner-Occupied
Buy the premises your business operates from so you can pay rent to yourself instead of a landlord.
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Investment
Acquire commercial property to lease to tenants and build a diversified investment portfolio.
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Lease-Doc / Low-Doc
Use the property's rental income as the primary evidence of serviceability instead of full business financials.
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Mixed-Use
Finance for properties that blend commercial and residential components, such as shop-top housing.
FREQUENTLY ASKED QUESTIONS

Got Any Questions?

Grow your business with smart property finance.

Let's discuss your commercial property goals. We'll compare lenders, negotiate terms, and build a finance strategy that supports your next move.

Disclaimer: All information provided is general in nature and does not constitute personal financial advice. Your full financial situation would need to be assessed. Lending criteria, fees, and charges apply. Please view our Privacy Policy and Credit Guide.