Commercial Loan

What is a Commercial Loan?

A commercial loan is designed for investors or businesses who want to purchase multiple properties, expand their portfolio, or buy commercial real estate such as offices, retail shops, or industrial spaces. With flexible borrowing limits and tailored terms, commercial loans help you scale up your investments with confidence.

How Does It Work?

Borrow for Multiple Properties: Fund the purchase of two or more residential or commercial properties under one loan structure.
Income-Based: Lenders assess rental income or business cash flow to determine how much you can borrow.
Flexible Terms: Options for interest-only or principal & interest repayments, depending on your goals.
Higher Limits: Access larger loan amounts than standard home loans to grow your portfolio faster.

Benefits & Considerations

Grow Faster: Build your investment portfolio without waiting to save for each property separately.
Bigger Borrowing Power: Borrow larger amounts with structures designed for commercial investors.
Tailored Solutions: Flexible repayment terms to match your business or investment needs.
Higher Deposits: May require larger upfront deposits and extra paperwork.
Higher Rates: Interest rates can be higher than standard home loans.
Personal Guarantees: Some lenders may require guarantees or business financials.

Are you planning to buy a home? We will take care of everything!

How HR Mortgage & Finance Works

Initial Consultation

Have a phone or face-to-face conversation with our expert broker.

Loan Structuring

We need your financial documents and specifics about your requirements.

Apply For Pre-Approval

After finalizing all necessary details, we'll proceed to pre-approval. Typically, your pre-approval will arrive 5-7 working days, subject to the bank's processing time.

Find Your Dream Home

We'll be there to support and guide you every step of the way until you discover the perfect property. Once you've identified a property that meets your criteria and reached an agreement on price with the vendors, we'll recommend proceeding with signing the contract.

Get the Final Approval

Once the contract is signed, we initiate the valuation process. Subsequently, the solicitor/conveyancer will review the contract and conduct pest and building inspections. Concurrently, we'll proceed with submitting your loan for formal approval. The timeframe for obtaining formal approval may extend up to a week, contingent upon the bank's processes.

Settle Your Loan

When all the paperwork is complete the keys to your dream home will be handed over to you.