Commercial property finance Perth
A commercial property loan funds a building your business occupies or leases out, and Quantum Finance finds the lenders with real appetite for that security type, then negotiates the pricing rather than accepting the first quote.
- Offices, warehouses, factory units, shops and mixed-use buildings.
- Whether you occupy the building or lease it out.
- Assessed on the property's income and on the borrower behind it.
- Deposits run higher than residential and terms run shorter.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our commercial property loan service does
The work on a commercial property loan, from security type to settlementA commercial property loan is finance secured by a building used for business rather than for living in, such as an office, a warehouse, a shop or a mixed-use building. Lenders assess it on the property's income and on the borrower behind it, which makes the file heavier than a home loan and the gap between lenders much wider.
Deposits run higher than a residential purchase and terms run shorter. The structure you set at the start matters more than a small margin on the rate.
A commercial facility is a business contract rather than a regulated home loan, so read the facility agreement and the guarantees with your solicitor before you sign.
We match your security type to the lenders that want it
Lenders sort commercial property far more finely than buyers do, and the building type moves the deposit, the term and the price. Mainstream offices, warehouses and retail sit in front of most of the panel. Specialised premises that suit one kind of tenant narrow it quickly.
We read the lease before you rely on the income
The lease is the asset on an investment purchase. A lender looks at who the tenant is, how long the term runs, what options remain and how quickly the space could be re-let. We check that against the contract before you commit to a settlement date.
We assemble the financials and disclose the ATO position
Two years of statements and returns for each entity, interim figures where the last year end is old, and your current ATO position including any payment arrangement. An undisclosed tax debt is the most common thing that stops a commercial file at credit. Disclosed at the start, it is usually workable.
We structure the borrowing entity alongside your accountant
Company, trust or partnership, which directors guarantee, whether residential property goes up as additional security, and whether you want to avoid cross-collateralisation. Your accountant should drive that decision. We build the finance around what they decide rather than around what is easiest to submit.
We start the valuation early and set the finance clause around it
A commercial valuation is a longer piece of work than a residential one, because the valuer prices income and re-letting risk rather than comparing recent sales. We order it as early as the lender allows. Then we set the finance clause in your contract so it is not fighting the valuer's timetable.
We negotiate the pricing instead of accepting the quote
Commercial pricing is not published and it is not fixed. Two borrowers with similar buildings and similar financials get quoted differently depending on who put the file up and how well. Knowing which lender is competitive on warehouses this quarter is most of what a broker adds here.
Security types and how lenders read them
Six commercial security types, and what each one does to your optionsThe building you are buying decides how many lenders will look at the file. A mainstream office or warehouse sits in front of most of the panel. A specialised building that suits one operator sits in front of far fewer, and the terms follow that.
- Strata office or consulting suite
How lenders tend to see it
A mainstream security type most of the panel will look at
What strengthens the file
A strata plan without unusual restrictions on use
- Warehouse, factory unit or industrial yard
How lenders tend to see it
Well understood, and common in Perth's trade corridors
What strengthens the file
Clear height, access and zoning that suits more than one tenant
- Retail shopfront
How lenders tend to see it
Read through the strength of the tenant and the location
What strengthens the file
A lease with term remaining rather than one about to expire
- Mixed-use building with a residential component
How lenders tend to see it
Fewer lenders, because two valuation approaches apply at once
What strengthens the file
A clear split between the commercial and residential floor area
- Specialised premises such as childcare or medical
How lenders tend to see it
A narrower panel, because the building suits one kind of tenant
What strengthens the file
An experienced operator on a lease with real term remaining
- Property held in a company or trust
How lenders tend to see it
Normal for commercial, and it changes who guarantees the debt
What strengthens the file
A structure your accountant has set up deliberately
You do not need to work out which category your building falls into. Tell us the address, what it is and what you plan to do with it, and we come back with the lenders that will look at it.
Who a commercial property loan suits
The buyers and owners we arrange commercial property finance forEvery situation below is assessed on the building's income and on the borrower behind it. These are the ones that come through the door most often.
Business owners buying the premises they currently rent
Investors adding a leased commercial building to a portfolio
Owners of industrial and warehouse property in Perth's trade corridors
Buyers of strata offices, consulting suites and retail shopfronts
Buyers of mixed-use buildings with a residential component
Owners refinancing a commercial facility off an unfavourable rate
How a commercial property application runs
Five steps, with the valuation started early and the finance clause set around itA commercial property application runs through the same five steps as any file we write, with more documents and more work before submission. A file that reaches a credit team half-prepared tends to sit there, so most of the effort goes in before anything is lodged.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The Perth brokers who put your commercial property file togetherIndependent means no franchise above us and no lender owning a share of the business. Nobody upstairs sets a monthly target, so a commercial property file goes to the lender with genuine appetite for that building. Your bank offers its own loan; we compare 40+ lenders, bank and non-bank.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for a commercial property loan
Commercial pricing is negotiated, so who presents the file changes the answerCommercial property finance is quoted deal by deal rather than off a rate card, and appetite for a given building type moves between lenders. Every point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled loans for, pulled straight from the platform they were written on.
Our commercial property lender panel
Appetite for a building type moves, so we compare 40+ lendersMajor banks, second-tier banks, and specialist non-bank lenders who will look at security the majors will not. MoneyQuest gives us access to the panel. 21+ years of writing loans across it is what tells us who is competitive on commercial property right now.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our commercial finance guides
Commercial lending, explained plainlyHow commercial lending differs from a home loan, and what changes in the assessment. Each one carries a broker's name.
Choosing a broker
What a mortgage broker does
What the job actually involves, who pays for it, and when your own bank is the better call.
Read it: What a mortgage broker does
Investing
Financing an investment property
How lenders read rental income, and how investors fund a deposit from equity.
Read it: Financing an investment propertyDevelopment
Funding a property development
How funders read a project, and why the exit is decided before the first drawdown.
Read it: Funding a property development
Commercial
Commercial finance, explained
Why commercial lending is negotiated rather than priced, and what lenders ask for.
Read it: Commercial finance, explained
Meet our Perth commercial finance brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who reads your lease is the person who negotiates the pricing and the person who diarises your review date.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about commercial property loans in Perth
What is a commercial property loan?
A commercial property loan is finance secured by a building used for business rather than for living in, such as an office, warehouse, shop or mixed-use building. The lender assesses the property's income and the borrower behind it. Deposits run higher than residential and terms run shorter.
How much deposit do I need for a commercial property?
More than a residential purchase, and the requirement moves with the building type, the tenant and your financial position. Mainstream offices, warehouses and retail attract better terms than specialised premises. We give you the realistic figure for your specific property before you make an offer.
Do lenders treat owner-occupied and investment commercial loans differently?
Yes, and they are effectively two products. An owner-occupier file turns on how the business trades, so the financials carry it. An investment file turns on the lease, the tenant's covenant and the term remaining, so the property's income carries it. Assessment, security and pricing all differ.
Does the lease change how much I can borrow?
On an investment purchase it is central. Lenders look at who the tenant is, how long the lease runs, what options remain and how easily the space could be re-let. A long lease to a strong tenant strengthens the file. A lease near expiry weakens it, and it is better raised early.
Can I use my home as security for a commercial property loan?
Yes, and it often improves the terms because the lender's overall position is stronger. It also ties your home to business borrowing, which is a real decision rather than a technicality. We set out both sides so it is chosen deliberately instead of happening by default.
How long do commercial property loan terms run?
Shorter than a residential mortgage, and the term varies considerably between lenders and deal types. Many facilities are also reviewed periodically rather than set and forgotten, so pricing and conditions can move at review. We diarise your expiry and review dates so you never renegotiate under pressure.
Does GST apply when I buy a commercial property?
It can, and the treatment depends on the contract, the parties and how the property is sold. That is a question for your accountant and your solicitor before you sign rather than something to resolve at settlement. We make sure the funding allows for whatever position they confirm.
Why use a broker instead of going to my own bank?
Commercial pricing is negotiated rather than published, and appetite for a given building type shifts between lenders. Your bank can only offer its own book and its own current appetite. We compare bank and non-bank lenders, then present the file to the ones most likely to want it.
Related commercial finance we arrange
The other facilities a commercial property client usually needsA property purchase rarely arrives on its own. If yours brings a fit-out, a working capital gap or an SMSF question with it, it is the same broker and the same conversation.
Business Loans
Secured and unsecured funding for growth, stock, equipment, premises and acquisitions.
Learn moreabout Business Loans
SMSF Commercial Property Loans
Lending for a self-managed super fund buying commercial property, arranged around your advisers.
Learn moreabout SMSF Commercial Property LoansLow Doc Commercial Loans
For self-employed borrowers and businesses that cannot supply two years of current financials.
Learn moreabout Low Doc Commercial Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about a commercial propertyFour questions and you are done. A broker reads it, works out which lenders have appetite for the building, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113