Commercial Property Loans | CBV Capital

Commercial Property Finance for Business Owners

At CBV Capital, we have been working with business owners and self-employed clients for over 16 years to help them access commercial property finance that suits their goals. Whether you are looking to buy business premises, expand your commercial property portfolio, or invest in a commercial asset, we work with a wide panel of banks and lenders across Australia to find loan options that match your situation.

What Is a Commercial Property Loan?

A commercial property loan, sometimes called a commercial mortgage or commercial real estate loan, is a type of secured commercial loan used to purchase, refinance, or invest in property that is used for business or investment purposes. This includes office and warehouse finance, retail spaces, industrial properties, strata commercial units, and owner occupied commercial premises. Unlike residential home loans, commercial property loans are assessed differently by lenders, and the terms, rates, and requirements can vary significantly depending on the property type, the borrower's financial position, and the intended use.

CBV Capital helps clients across Australia understand their options and access commercial property loan products that are structured appropriately for their circumstances. We are based in Adelaide and service clients nationwide, which means we bring a broad perspective and a strong lender panel to every application.

Types of Commercial Property We Can Help With

Commercial property finance covers a wide range of property types. At CBV Capital, we regularly assist clients with commercial property purchases involving office buildings, warehouses, retail shops, medical suites, industrial units, and strata commercial properties. We also assist with owner occupied commercial premises, where a business owner wants to own the building their business operates from rather than paying rent to a landlord. This can be a sound long-term decision for many business owners, and a commercial property loan structured correctly can make it achievable.

For those building a commercial portfolio as an investment strategy, we help assess commercial rental income, commercial tenant arrangements, commercial lease terms, and commercial vacancy considerations as part of understanding how lenders will view the application. These factors all influence how a lender assesses commercial investment risk and what loan structure they may offer.

Key Loan Features to Understand

When looking at commercial property loans, there are several important factors to consider. The commercial LVR, or loan to value ratio, refers to how much you can borrow relative to the commercial property valuation. Commercial LVRs are typically lower than residential LVRs, meaning a higher commercial deposit is often required. The commercial loan term can also differ from residential lending, and lenders may offer variable interest rates or fixed interest rates depending on the product.

Some commercial property loan products include features such as redraw facilities and flexible repayment options, while others may be more straightforward in structure. Commercial interest rates are influenced by the type of property, the loan amount, the borrower profile, and current market conditions. Interest rate discounts may also be available depending on the lender and the strength of the application.

It is also important to factor in costs such as commercial stamp duty and commercial GST, particularly when purchasing commercial property as an investment. These costs can affect your overall budget and should be considered when planning your commercial property purchase. CBV Capital can help you understand how these factors interact with your borrowing position, though we always recommend speaking with your accountant or solicitor regarding tax and legal matters.

Why Self-Employed Borrowers Work With CBV Capital

Self-employed business owners often find commercial property finance more involved than standard residential lending. Income verification, business financials, and commercial cashflow all play a role in how lenders assess a commercial application. At CBV Capital, we have spent 16 years specialising in self-employed lending, which means we understand how to present your financial position clearly and match you with lenders who are well-suited to your profile.

Whether you are looking to own business premises outright, refinance a commercial property to access commercial equity, or build a commercial investment portfolio, CBV Capital works to find loan structures that align with your goals. We also assist clients who are considering SMSF loans for commercial property as part of their broader investment strategy.

For business owners who also need support with other funding needs, we can assist with business loans and cashflow solutions alongside your commercial property finance, giving you a more complete picture of your borrowing position. Commercial zoning, commercial DA requirements, and commercial property business use are all considerations that can affect lender appetite, and CBV Capital helps you work through these details before lodging a commercial application.

Our Simple Process

Step 1: Initial Conversation
We start with a simple, no-obligation chat. This is your chance to tell us what you need and ask any questions you have. We listen carefully so we can understand your goals and point you in the right direction from day one.

Step 2: Understanding Your Situation
We take a closer look at your financial position, including your income, expenses, assets, and any existing debts. This helps us build a clear picture of where you stand and what options are available to you.

Step 3: Researching Your Options
With access to a wide panel of lenders across Australia, we do the legwork for you. We compare products, rates, and terms to find solutions that genuinely suit your needs, not just the first option that comes along.

Step 4: Presenting Your Options
We walk you through the options we have found in plain language. No jargon, no confusion. We explain the pros and cons of each so you can make a confident, informed decision.

Step 5: Preparing Your Application
Once you are happy with a solution, we prepare your application with care and attention to detail. We help you gather the right documents and make sure everything is in order before it goes to the lender.

Step 6: Submitting and Managing Your Application
We lodge your application and stay on top of it every step of the way. We communicate with the lender on your behalf, handle any follow-up requests, and keep you updated so you are never left wondering what is happening.

Step 7: Settlement and Beyond
Once your finance is approved and settled, our job is not done. We are here to answer questions, review your finance as your circumstances change, and support you whenever you need us. We build long-term relationships, not just one-off transactions.

Real Stories, Real Results

Jasper was an outstanding mortgage broker and I highly recommend him. As a first home buyer, I had no idea where to start, but Jasper guided me through the entire process from beginning to end. He was always available to answer my questions, no matter how small or silly they seemed, and took the time to explain everything clearly. The property process moved very quickly at times, and Jasper was always proactive, responsive, and on top of everything. Buying my first home felt much less stressful thanks to his support, knowledge, and professionalism. If you’re looking for a mortgage broker who genuinely cares and goes above and beyond, it’s Jasper

Isabel Scuteri

Michael Faraonio has proved to be an excellent Commercial Finance Broker. He has assisted us will a number of transactions over the past few years and has also been a great conduite between us and the banking institutions. Michael is alway proactive finding us the best deals that may be available to our business and is easy to work with. We would highly recommend Michael.

Jennie Shearn

This is the second time we have worked with a broker from Keylend and couldn't recommend them highly enough! We are very grateful to Jasper for helping us. He guided us from the beginning of our journey until the end. I was blown away by his knowledge and ability to put together multiple plans to find the best one for us. He was always very quick to respond and adaptable when we needed it, especially in such a difficult market. Thank you so much for your hard work Jasper!

Elyse Bell

Michael was amazing! Great at communicating and giving advice for every step along the way and going above and beyond. Thanks for helping us into our first home!

Jessie Macpherson

Your Questions Answered

Why should I use a finance broker instead of going directly to my bank?

When you go directly to a bank, you only see what that one lender has to offer. A finance broker like CBV Capital has access to a panel of lenders, which means we can look at a wider range of options on your behalf. We understand how different lenders assess applications, what they look for, and which ones may be more suited to your particular circumstances. This can save you a significant amount of time and effort. Beyond that, we are here to support you through the entire process, answer your questions, and make sure you understand what you are signing up for. It is about having someone in your corner.

What types of finance can CBV Capital help me with?

CBV Capital works across a broad range of finance types. This includes home loans for owner-occupiers and investors, commercial property finance, business loans, equipment and asset finance, vehicle finance, and more. We work with both individuals and businesses, so whether you are buying your first home, expanding your business, or purchasing new equipment, we can look at your options. Each situation is different, and we take the time to understand yours before recommending a path forward. If you are unsure whether your finance need falls within our scope, just give us a call and we will let you know how we can help.

Is CBV Capital a licensed finance broker?

Yes. CBV Capital operates under an Australian Credit Licence, which means we are authorised to provide credit assistance in accordance with the requirements set out under Australian law. We are committed to acting in your interests and meeting our obligations under the National Consumer Credit Protection Act. This includes being transparent about how we are paid, ensuring any loan we recommend is not unsuitable for your situation, and providing you with the documentation you are entitled to throughout the process. You can have confidence that when you work with CBV Capital, you are dealing with a professional and compliant finance business.

What does a finance broker actually do?

A finance broker acts as the link between you and a range of lenders. Rather than you spending hours researching loan products and dealing with banks directly, a broker does that work on your behalf. At CBV Capital, we assess your situation, understand what you are trying to achieve, and then approach lenders who may be suited to your needs. We handle the paperwork, manage the communication, and guide you through each step of the process. Whether you are looking at a home loan, a business loan, or asset finance, having a broker in your corner means you have someone working for you, not for the bank.

How do I get started with CBV Capital?

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation involved in that first chat. We will take the time to listen to what you are looking to achieve, ask a few questions about your situation, and give you an honest overview of how we may be able to help. From there, if you are happy to proceed, we will outline the next steps and get the process underway. Whether you are ready to move now or just starting to think about your options, we are happy to have a conversation at whatever stage you are at.

What information will I need to provide when applying for finance?

The information required will depend on the type of finance you are applying for, but generally speaking, lenders want to understand your income, your expenses, your assets, and your liabilities. For individuals, this might include recent payslips, tax returns, bank statements, and identification documents. For businesses, lenders may also ask for financial statements, business activity statements, and details about the business itself. At CBV Capital, we will walk you through exactly what is needed for your specific situation. We want to make sure your application is as complete and well-prepared as possible before it goes to a lender, which helps avoid back-and-forth delays.

How long does the finance application process take?

The timeframe can vary depending on the type of finance you are applying for, the lender involved, and how quickly we can gather the required information from you. Some applications move through relatively quickly, while others, particularly for complex commercial or business lending, may take longer. At CBV Capital, we work to keep things moving as efficiently as possible and will keep you informed throughout the process. We will let you know upfront what documents and information we need from you so we can avoid unnecessary delays. Our goal is to make the process as smooth as possible from start to finish.

Is CBV Capital able to help clients outside of Adelaide?

Absolutely. While CBV Capital is based in Adelaide, we work with clients right across Australia. Thanks to phone, email, and video calls, geography is no barrier to getting quality finance support. We have helped clients in major cities, regional towns, and rural areas secure the finance they need. Whether you are in Sydney, Perth, Darwin, or a small town in Queensland, our team is ready to work with you. We make the process as straightforward as possible regardless of where you are located, so do not hesitate to get in touch no matter where you call home.

How does CBV Capital get paid?

In most cases, CBV Capital is paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. We are required by law to be transparent about how we are paid, and we will always disclose our remuneration to you clearly before you proceed. It is important to us that you understand exactly how the process works and feel confident in the advice and support you receive. If there are any situations where a fee may apply, we will discuss that with you upfront so there are no surprises along the way.

Can CBV Capital help if I have had credit issues in the past?

Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders who specialise in working with people who have had credit challenges in the past, and CBV Capital has experience working across a range of credit situations. We will take the time to understand your history and your current circumstances before exploring what options may be available to you. We will always be honest with you about what we find and what is realistic. It is important to us that you have a clear picture of where you stand so you can make informed decisions about your next steps.

Commercial Property Loans Australia

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