Finance commercial property with lenders who understand the risks and returns.
And how structure affects your outcomes.
Commercial property finance is different to residential. Lenders may consider the tenant, lease terms, property income, yield and borrower position. Bharat Finance helps clients understand suitable structures and trade-offs.
How commercial property loans work.
Commercial lending looks at the asset, the tenant, the lease and your ability to service the loan.
Serviceability basis
Commercial loans are typically assessed on property income (rental yield) or your personal serviceability, depending on loan size and structure.
Tenant & lease assessment
Lenders scrutinise tenant quality, lease length, lease growth clauses and market rent to determine income reliability.
Loan-to-value (LVR)
Commercial loans typically max at 60–80% LVR (compared to residential 90%+). Better tenant/lease gets better LVR.
Interest rate
Commercial rates are higher than residential. Quality tenant and strong lease can reduce the premium.
Common commercial finance questions.
Commercial property finance covers retail, office, industrial and mixed-use. Each has different lending mechanics.
- Owner-occupier vs investment: Owner-occupier (you run the business) gets different rates/LVR than pure investment.
- New or existing lease? New tenants are riskier. Long established leases get better loan terms.
- Lease term length: Leases shorter than 5 years may not be acceptable. Longer leases de-risk the lender.
- Deposit / LVR: Stronger deposits (larger equity) can offset weaker tenant or shorter lease.
- Refinance existing commercial: If a loan is approaching maturity, available options can be reviewed before the existing facility needs to be renewed.
Finance your commercial property with clarity.
Bharat Finance helps clients navigate lender policy and compare structures around the property, borrower position and investment timeline.