5.0 from 7 Reviews
Whether you are looking to buy business premises, expand your commercial property portfolio, or secure a commercial property investment, digilend is here to help you find the right loan structure. We work with banks and lenders across Australia to access commercial property loan options that suit your situation, your goals, and your budget.
A commercial property loan is a type of finance used to purchase, refinance, or invest in property that is used for business or commercial purposes. This includes office space, warehouses, retail shops, strata commercial units, and mixed-use properties. Unlike residential home loans, commercial property finance comes with its own set of rules around commercial LVR, commercial deposit requirements, commercial interest rates, and loan terms. At digilend, we help you make sense of all of it.
Commercial property loans can be used for a wide range of purposes. You might want to own business premises rather than pay rent to a landlord. You might be looking to build a commercial portfolio as part of your long-term investment strategy. Or you might already own a commercial property and want to explore commercial property refinance options to access commercial equity or secure a more suitable rate. Whatever your situation, digilend can help you explore what is available.
One of the first things to consider when looking at commercial property finance is whether the property will be owner occupied commercial or used as a commercial investment. Owner occupied commercial means you or your business will operate from the property. Commercial investment means you will lease the property to a commercial tenant and earn commercial rental income. Both have different lending criteria, and lenders assess them differently when it comes to commercial cashflow, commercial vacancy risk, and the strength of the commercial lease in place.
For investment properties, lenders will often want to understand the commercial tenant, the length and terms of the commercial lease, and whether there is any commercial vacancy risk. For owner occupied properties, lenders will focus more on the financial health of your business and its ability to service the loan. digilend works through these details with you so you can approach lenders with a well-prepared commercial application.
When assessing a commercial property loan, lenders consider a number of factors beyond just your income. The commercial property valuation plays a big role, as does the commercial LVR, which is the loan amount expressed as a percentage of the property value. Commercial LVR limits are often lower than residential, meaning a larger commercial deposit may be required. Lenders also look at the commercial zoning of the property, whether there is any commercial DA approval required, and how commercial GST applies to the transaction.
Other considerations include commercial stamp duty, the intended commercial property business use, and whether the property is strata commercial or freehold. The commercial loan term, the commercial loan amount, and whether you want a variable interest rate or fixed interest rate will also shape which lenders and products are most suitable. Some lenders offer interest rate discounts for certain property types or borrower profiles, and digilend helps you identify where those opportunities may exist.
digilend works with a panel of banks and lenders across Australia, which means we can access commercial property loan options from a wide range of sources rather than being limited to one institution. We help clients across the Gold Coast, Brisbane, and Greater Brisbane, including Ashmore, Southport, Nerang, Robina, Mermaid Waters, Bundall, Palm Beach, Merrimac, Surfers Paradise, Clayfield, Windsor, and Miami.
We take the time to understand your goals before recommending a loan structure. Whether you need office warehouse finance, want to buy business premises, or are looking to expand an existing commercial portfolio, we match your needs to the right lenders. We also look at flexible loan terms and flexible repayment options so the loan works with your business rather than against it. Features like redraw can also be important for managing commercial cashflow over time.
If you are looking at a business property loan or want to explore how commercial property finance fits alongside other investment loans, digilend can help you look at the full picture. We also work with clients who are considering development finance or SMSF loans as part of a broader property strategy.
Commercial property loans are a significant financial commitment, and having the right guidance matters. digilend is committed to helping clients across South East Queensland find loan options that are suited to their circumstances, without the confusion that often comes with commercial lending.
Everything starts with a conversation. Reach out to us online, by phone, or by email. There is no pressure and no obligation. We just want to understand what you are trying to achieve, whether that is buying your first home, refinancing, or securing finance for your next investment.
We take the time to learn about your financial situation, your goals, and your timeline. This helps us build a clear picture of what you need so we can find the right solution for you, not just any solution.
Using our panel of lenders, we search the market to find loan options that suit your needs. We compare rates, fees, features, and lender policies to put together a strategy that works in your best interest.
We present you with our recommended options in plain language. No jargon, no confusion. We walk you through the numbers so you can make a confident and informed decision.
Once you are happy with the direction, we handle the paperwork. We prepare your application, gather the required documents, and make sure everything is in order before it goes to the lender. This helps avoid delays and improves your chances of a smooth approval.
We submit your application and manage the process from our end. We stay in regular contact with the lender and keep you updated every step of the way. If the lender needs anything extra, we handle it quickly so things keep moving.
Once your loan is approved and settled, our job is not done. We check in with you regularly to make sure your loan is still working for you. As your life changes, we are here to review your finance and make sure it keeps up.
At digilend, we believe great finance advice should be straightforward, personal, and built around you.
Mario is genuinely your true saviour. Mario has always been an exceptionally great, honest, respectful, trustworthy, genuine person while doing business with. He offers the available products in the market and explains the pros&cons of various products based on individual circumstances. He always thinks from clients perspective and gets the best deal for them as per their circumstances just like mine . I have dealt with Mario for more than 15 years and he has never let me down no matter what borrowing capacity/product was suitable to my needs at that moment. If you want the truth, no BS just talk to Mario.
Carol
I met Mario through my work practices and noted he was a finance broker. I never had an ongoing personal broker before as I never found a good one to trust. I decided to give him a crack and it was one of the better decisions I’ve made in life. He is down to earth, honest, organised, effective and goes over and above to get the best outcome for us. He even attends auctions, open homes and house calls with us and has become part of our inner sanctum. He even laughs at my jokes. I would highly recommend him to anyone who requires finance and property matters. Chris and Tanya
Christopher Fowke
Highly recommend. Mario and his team were a pleasure to deal with. Mario was very knowledgeable on the most suitable finance for me and he made the process so easy. I've since referred Mario to friends, and will definitely use Digilend again.
Jacqui
Mario helped my wife and I secure a commercial spot for our business, Mario was great to deal with and very professional highly recommended!
Sean Holdinghausen
When you go directly to a bank, you are only seeing what that one lender has to offer. A broker like digilend has access to a panel of lenders, which means we can look across multiple options and present you with a range of possibilities that suit your situation. We also understand the lending criteria of different lenders, which means we can help match you with lenders who are more likely to consider your application based on your circumstances. On top of that, we handle a lot of the communication and paperwork on your behalf, which saves you a significant amount of time and effort. Having someone in your corner who understands the process can make a real difference, especially if your situation is not straightforward.
The documents you need can vary depending on the type of loan and your personal circumstances, but there are some common ones that most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, proof of income like recent payslips or tax returns, bank statements showing your savings and spending, details of any existing debts or liabilities, and information about the property if you have already found one. If you are self-employed, you may need to provide additional documents such as business financials. digilend will give you a clear checklist based on your specific situation so you know exactly what to pull together before we get started. Being prepared upfront can help things move along more smoothly.
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for all sorts of reasons. Some want to access the equity they have built up in their property, others want to consolidate debts, and some simply want to review whether their current loan still suits their needs. It is worth noting that refinancing is not always the right move for everyone, and there can be costs involved such as exit fees or application fees for a new loan. digilend can help you look at your current situation and weigh up whether refinancing could make sense for you. We will give you a clear picture so you can make an informed decision.
Yes, digilend works with self-employed clients regularly. We understand that being your own boss can make the loan application process feel a bit more complicated, because your income might look different on paper compared to someone who receives a regular payslip. Different lenders have different ways of assessing self-employed income, and some are more accommodating than others. We know which lenders are more likely to look favourably at self-employed applicants and what documentation you will typically need to support your application. Things like tax returns, business financials, and bank statements are often part of the picture. We will help you get your paperwork in order and put your best foot forward.
The deposit required can depend on a number of factors including the lender, the type of loan, and your overall financial situation. A deposit of 20% of the property purchase price is often seen as a common benchmark, but there are options available for people with smaller deposits. Some lenders may accept a lower deposit, though this can sometimes mean additional costs such as lenders mortgage insurance. There are also government schemes that may be worth looking into depending on your eligibility. digilend can help you understand what your deposit situation means for your options and what lenders may be willing to consider. We will always give you a clear picture of what is involved.
The timeline can vary quite a bit depending on your situation, the lender involved, and how quickly documents can be gathered and verified. Generally speaking, getting pre-approval can take anywhere from a few days to a couple of weeks, while full approval after you have found a property can take a similar amount of time. Some lenders move quicker than others, and having all your documents ready can help things move along. digilend will keep you updated throughout the process so you always know where things are at. We will also let you know upfront what to expect based on your specific circumstances so you are not left wondering what is happening.
In most cases, digilend 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 service. However, we believe it is important that you understand exactly how we are paid and any fees that may apply to your situation before we get started. We are required by law to be transparent about our remuneration, and we take that seriously. We will always explain how we are paid as part of our process so there are no surprises. If you have any questions about this at any point, just ask us and we will walk you through it clearly.
digilend can assist with a wide range of lending needs. This includes home loans for people buying a property, refinancing for those who want to review their current loan, investment property loans, car and asset finance, personal loans, and business lending. We work with a broad panel of lenders, which means we can look at options across different loan types rather than being limited to just one product or one bank. Every person's situation is different, so we take the time to understand what you are trying to achieve before we start looking at what might be available to you. If you are not sure whether we can help, just reach out and ask.
Absolutely. digilend works with clients right across the Gold Coast and Greater Brisbane region. Whether you are based in Surfers Paradise, Robina, Palm Beach, Southport, Nerang, Mermaid Waters, Bundall, Merrimac, Ashmore, Clayfield, Windsor, Miami, or anywhere nearby, we are here to help. We understand that people in these areas have different needs and circumstances, and we take the time to understand yours before we do anything else. You do not have to travel far or deal with someone who does not know your local area. digilend is right here in your community and ready to have a chat.
A finance and mortgage broker like digilend works as the go-between for you and a range of lenders. Instead of you having to contact multiple banks or lenders yourself, we do that legwork for you. We look at your situation, figure out what you need, and then search through a panel of lenders to find options that could suit you. We handle a lot of the paperwork, communication, and follow-up so you are not left doing it all on your own. Whether you are buying your first home, refinancing, or looking at a business loan, having a broker in your corner can make the whole process a lot more manageable.
digilend works with banks and lenders across Australia to help you access commercial property loan options that suit your goals. Reach out to our team today and let us help you find the right fit for your commercial property finance needs.
Book Appointment
