Commercial property loans
Commercial lending — leases, tenants, and exits in language banks respect.
Offices, retail, warehouses, and owner-occupied premises. Rate matters — but servicing the debt through tenants and plausible exits matters more.
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Azure Home Loans — direct access to Bishnu Adhikari, policy-led lender matching, and settlement-ready file discipline.
Who this is for
Investors and business owners acquiring or refinancing commercial assets where lease strength, tenant mix, and experience drive credit.
What tends to matter
- Weighted average lease term and tenant covenant — translated to credit narrative.
- Owner-occupied vs investment commercial — different policy lenses.
- Interest cover and sensitized vacancy assumptions.
- Your lawyer on leases; your broker on how the bank reads them — we stay in our lane with clear handoffs.
How we help
We package IMs, lease summaries, and entity structure so assessors see a coherent file — and we are direct when a scenario needs specialised non-bank channels.
What people often miss
- Optimistic rent without market evidence or lease in place.
- Weak exit story — banks want refinance, amortisation, or sale plausibility.
- Mixing residential expectations with commercial timeframes and fees.
Typical path
Step 1
Mandate & numbers
Asset class, purchase or refinance, rough tenancy story — appetite check.
Step 2
Evidence
Leases, forecasts, entity docs — scoped to lender tier.
Step 3
Credit submission
Structured for commercial credit, not retail home-loan habits.
Step 4
Drawdown
Settlement aligned with solicitors and any leasing loose ends.
Related insights & tools
Frequently asked questions
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.
Enquire about Commercial property loans
Send a short message — Bishnu Adhikari will reply with a practical next step. Same secure flow as our main contact form; your topic is pre-filled for this page.
We'll review your details and respond on business days — usually within a few hours.