Commercial Finance
Commercial Finance and mortgages offer business owners and investors a range of options that extend far beyond what a traditional residential mortgage can offer. Commercial lending is a specialised area of business banking, which means it’s not quite as simple as just applying for a regular loan. For this reason it’s important to liaise with a specialist who understands how to best represent your business proposal to the right lender to suit your needs.
For businesses of all sizes
Most people believe only really large corporations need commercial mortgages. Small businesses use commercial mortgages for a variety of business-related purposes, including purchasing commercial premises such as offices, shops and warehouses, or even purchasing a business.
However, some investors may also benefit from using a commercial mortgage instead of a traditional residential mortgage.
Small property developers may find that if they intend to sub-divide and re-develop a residential block of land where they may construct more than 4 new homes on the old title, then they will often require a commercial loan to fund the project.
Finance built around your business
No two businesses are alike — and your finance solution shouldn’t be either. Whether you’re purchasing commercial property, funding a new project, upgrading equipment, or managing day-to-day cash flow, we take the time to understand how your business operates and where you’re heading. Then we structure finance to support that journey, not get in the way of it. Our approach is strategic, personalised, and designed to help you make confident decisions based on your real-world needs.
A broader lending network means more choice
We partner with a wide range of commercial lenders — from major banks to specialist financiers — giving you access to far more options than walking into a single bank branch. That means you’re not limited by rigid criteria or one-size-fits-all loan products. Instead, we compare a broad mix of terms, rates, and features to find the most suitable solution for your goals, risk profile, and long-term plans. Whether you’re a sole trader, small business, or large enterprise, we’ll help you find finance that fits.
Expert support, every step of the way
Securing commercial finance can feel complex — but it doesn’t have to. Our experienced brokers are here to guide you through the process from start to finish, managing the paperwork, negotiating with lenders, and making sure you understand your options every step of the way. And we don’t disappear after settlement. As your business grows and changes, we’re here for the long term, ready to help you adapt your finance strategy to suit whatever’s next.
Why a broker over your own bank?
The bank or lender you use for your residential mortgage purposes might have the best possible mortgage products available, but can you be sure they’ll have the best commercial loans available too?
No matter how good your current bank might be, it’s always worth comparing commercial mortgages available between as many lenders as possible to be sure you’re getting the best offer available to you. The difference in costs could be critical to your business venture’s success.
New Business with questions about your first mortgage?
In many cases, commercial mortgage lenders will assess your ability to repay the loan based on the strength of your business venture or proposal rather than looking at your current income levels.
The banks understand that the new commercial mortgage will be funding a business proposition and that your ultimate goal is to generate an income from your business activities. This is why the project you’re considering is assessed as a business proposition separately to your own personal financial situation.
FAQ
FAQ 1
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FAQ 2
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FAQ 4
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FAQ 5
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Ready to apply?
It’s vitally important you speak with a specialist mortgage broker with experience in commercial lending before you apply for anything. If you’d like to make an appointment for a no obligation consultation for your commercial project, call one of the specialist Commercial Mortgage consultants at Origin Finance today to discuss your needs.
