Commercial Property Loans
When purchasing a commercial property, there are many financing pathways available. The most suitable option depends on your situation—whether you’re investing personally, buying through a self-managed super fund, or acquiring property to support your business operations. HS Finance helps you understand these choices and structure a loan that aligns with your goals
HS Finance: Commercial Property Loan Solutions
HS Finance works closely with you to identify the funding solutions that best match your goals—considering both competitive pricing and practical features that make managing your loan easier.
To better understand your options, it helps to look at how commercial property finance applies in two common situations:
- Purchasing commercial property as an investment
- Buying commercial property to operate your business
Buying Commercial Property as an Investor – HS Finance Guide
Investing in commercial property shares some similarities with residential investing, but there are important differences that investors should understand before committing. A commercial asset can generate steady rental income from tenants (often referred to as lessees) while also offering the potential for long-term capital growth. However, commercial investing operates under a different set of dynamics.Leases, Returns, and Risk Considerations
When purchasing a commercial property, GST—typically 10% of the purchase price—may apply, so it’s essential to include this in your investment planning. Commercial leases are often longer than residential agreements, commonly running five years or more. In many cases, tenants cover a portion of building-related costs such as maintenance and repairs. This structure can improve cash flow and reduce ownership expenses. That said, commercial property generally carries higher risk. While rental yields may be attractive, vacancies can last longer, and resale opportunities may be more limited due to a smaller buyer pool—particularly for specialised properties.Market Influences to Consider
Commercial property performance is closely tied to local economic conditions. Demand can fluctuate depending on business activity in the area. Investors can reduce exposure by choosing locations with diverse industries, selecting versatile properties that appeal to multiple business types, and maintaining sufficient cash reserves to manage vacancy periods.The Value of Expert Guidance
Navigating commercial property investment requires informed decision-making. HS Finance provides tailored lending guidance, helping investors explore suitable finance structures—including options involving self-managed super funds—so they can invest with clarity and confidence.HS Finance – Commercial Loans
Power your business ambitions with tailored commercial lending solutions. HS Finance provides flexible commercial loans designed to support property purchases, expansion plans, and long-term business growth.
What Commercial Loans Can Be Used For
- Purchasing or refinancing commercial property
- Office, retail, or industrial premises
- Business expansion and development projects
- Investment and income-generating properties
Why Choose HS Finance for Commercial Loans
- Access to a wide network of commercial lenders
- Competitive rates and flexible loan structures
- Tailored solutions for SMEs and established businesses
- Clear guidance on terms, risks, and obligations
- End-to-end support from application to settlement
Fully-Featured Mortgage Loans
At HS Finance, we believe in keeping things clear, simple, and transparent.
Our goal is to deliver all the benefits you’d expect from a major bank, while offering competitive interest rates and minimal fees to better support our customers.
Home loan
Purchase or refinance a property for your own home or an investment
Construction Loan
Short-term loan that provides the funds to build a residential property
Bridging Loan
Consider Yard's bridging loan if you need to buy before going through the process of selling an existing property
SMSF Loan
Purchase or refinance a residential and commercial property through your Self-Managed Super Fund (SMSF)
Asset and equipment finance
Asset and equipment finance for smarter business growth
Refinancing solutions
Smart refinancing solutions to improve cash flow flexibility
Commercial loans
Commercial loans designed to support business growth and investment
Personal loans
Flexible personal loans tailored to your goals and budget needs
Buying Commercial Property for Your Business – HS Finance Guide
Owning the premises your business operates from can be a powerful long-term investment. Purchasing commercial property allows you to build equity while securing a permanent base for your operations.
For many business owners, location plays a key role in brand identity and customer recognition. While leasing can reduce upfront costs, it doesn’t provide the same long-term certainty or control that ownership offers.
There are several ways to structure the purchase depending on your financial goals and business setup.
Purchasing Through the Business
When the property is acquired in the business’s name, it becomes a business asset. Loan repayments are supported by business cash flow, and the growing equity may later be used to secure additional funding for expansion or other operational needs.
Buying Personally or via a Self-Managed Super Fund
Another option is purchasing the property in your own name or through a self-managed super fund. Your business then leases the premises, allowing you to benefit from long-term capital growth while ensuring stable access for your operations.
Expert Support Matters
Commercial property finance can involve complex structures and lender requirements. HS Finance provides experienced guidance, helping you evaluate funding options and coordinating with your accountant or advisors to structure a solution aligned with your goals. Our team understands the realities of business finance and works to make the lending process smooth and efficient.