Commercial Property Finance

Are you looking to enter the commercial property market for investment or purchase a premises for your business? At EMC Finance, we’re here to help.

Commercial property financing can be a valuable addition to a property portfolio, especially since outgoings expenses are often covered by the tenant. However, there are unique aspects to consider, such as higher upfront and ongoing fees. With the addition of interest rates generally higher than residential loans due to the increased risk profile associated with commercial properties.

If you’re self-employed and looking to stop paying rent or are outgrowing your current premise, EMC Finance can help you explore available options—whether that’s through a low-doc or full-doc loan.

Here are some key factors lenders consider, where EMC Finance can provide guidance to find the most suitable finance for you:

• Financial Position: Reviewing recent financials to determine the correct loan type (low-doc or full-doc), as low-doc loans typically come with higher fees.
• Contribution or Equity: The equity you can contribute, which may help secure more favourable loan terms.
• Property Type: The kind of premises you’re financing—whether office space, factory, farm, or retail—will influence the lender’s terms and loan-to-value ratio.

Commercial finance requires a solutions-based approach. At EMC Finance, we work with you to understand your unique needs and goals, supporting you every step of the way in securing the commercial finance you’re after.