Commercial Property Finance
Explore financing solutions for eligible businesses seeking to acquire, refinance or invest in commercial property.
Finance property that supports your business ambitions
Commercial property can be an important part of a business's long-term strategy. Whether you are looking to purchase premises for your operations, acquire an investment property or explore refinancing options, suitable financing can help you pursue your objectives.
WiseChoice Financials reviews commercial property financing enquiries from eligible registered businesses. Each request is assessed according to the property, proposed transaction, business circumstances and applicable requirements.
Start Your ApplicationCommercial property finance at a glance
- Financing enquiries for eligible commercial properties
- Potential support for property purchases and refinancing
- Assessment based on property and business circumstances
- Potential property security, subject to the arrangement
- Costs and conditions explained before commitment
Commercial properties that may be considered
Property eligibility depends on its location, condition, valuation, intended use and the proposed financing arrangement.
Office Buildings
Commercial offices, professional premises and business workspaces.
Retail Properties
Eligible retail units, shopping premises and commercial storefronts.
Industrial Properties
Warehouses, factories, distribution facilities and industrial premises.
Mixed-Use Properties
Eligible properties combining commercial and other permitted uses.
Hospitality Properties
Commercial accommodation, hospitality premises and eligible leisure properties.
Specialist Commercial Premises
Eligible healthcare, educational, storage and other specialist business properties.
How commercial property finance may help
Property Acquisition
Explore financing for purchasing premises to operate or expand your business.
Investment Property
Consider financing for eligible commercial property investments intended to generate rental income or long-term value.
Commercial Refinancing
Review potential refinancing arrangements for existing eligible commercial property obligations.
Business Premises Expansion
Explore property financing to support additional locations, larger premises or changing operational requirements.
Property Improvement
Consider eligible financing requirements connected to commercial property improvements or refurbishment.
Portfolio Development
Submit enquiries relating to eligible commercial property acquisitions within a wider business investment strategy.
Who can apply?
Commercial property finance is intended for registered businesses and eligible commercial entities with a genuine property financing requirement.
- Registered business or eligible commercial entity
- Clear description of the proposed property transaction
- Property location and relevant details
- Requested financing amount and intended purpose
- Ability to provide supporting business and property documents
What may be assessed?
- Property type, location and condition
- Purchase price or estimated property value
- Business financial circumstances
- Existing property financing, where applicable
- Proposed security and available equity
- Repayment capacity and transaction structure
Additional information, valuations and legal documentation may be required before a financing decision can be made.
From property enquiry to financing review
Submit Your Enquiry
Provide your business details, intended financing amount and a brief description of the property transaction.
Initial Assessment
Our team reviews the proposed transaction and determines whether further assessment may be appropriate.
Property and Business Review
Property details, valuations, business records and other supporting documents may be requested.
Financing Proposal
If suitable, the proposed financing structure, costs, security requirements and conditions are explained.
Understand the financial commitment
Commercial property financing starts from $4,999, subject to eligibility and assessment. Advertised interest rates start at 5.2%. The applicable rate depends on the financing arrangement, assessment and relevant conditions.
A due diligence and underwriting fee may apply. The amount varies according to the financing terms and region. Any applicable fee and other charges will be disclosed before you commit. Depending on the agreed conditions, the fee may be payable after conditional approval or before disbursement, and may be deducted from the financing proceeds.
Commercial property may be required as collateral. Additional security may also be required depending on the transaction. Late payment fees may apply. There are no early repayment penalties under the stated programme terms. Approval is not guaranteed, and all applications remain subject to assessment and applicable legal requirements.
Commercial property finance FAQs
What is commercial property finance?
Commercial property finance is funding intended to support eligible business-related property transactions, including acquisitions and certain refinancing arrangements.
Can I finance a property for my business to occupy?
Yes, owner-occupied commercial property enquiries may be considered. The proposed property, business and financing requirements are assessed individually.
Can I apply for an investment property?
Eligible commercial investment property enquiries may be considered, subject to property assessment, business circumstances and applicable requirements.
Will the property be used as collateral?
Property security may be required depending on the financing structure. Any security obligations will be explained before you accept an agreement.
Will I need a property valuation?
A valuation or other property assessment may be required. The type of valuation and who must arrange it will depend on the transaction.
How long does the application process take?
Initial enquiries are generally reviewed within 1–3 business days. Property valuations, legal checks and further underwriting may extend the overall assessment period.
Does submitting an enquiry guarantee approval?
No. All applications are subject to verification, property assessment, underwriting, approval and applicable legal requirements.
Take the next step in your commercial property plans
Tell us about your business and property financing requirements to begin an initial review.