Owner-occupied property
Acquire or refinance eligible premises used by the borrower’s operating business.
Acquisition, refinance and selected equity-release pathways for eligible offices, industrial, retail, mixed-use and other commercial assets, assessed on accepted value, tenancy, serviceability, market depth and exit.
The predominant use of funds must be genuine, documented and compatible with lender policy.
Acquire or refinance eligible premises used by the borrower’s operating business.
Finance selected leased commercial property with verified tenancy and net-income evidence.
Support an eligible refurbishment, leasing or repositioning plan with cost, approval and exit evidence.
Restructure selected commercial-property debt with clear cross-security, priority and cash-flow analysis.
Commercial-property finance is shaped by how the asset earns, how readily it can be re-let or sold, and what happens if the primary repayment plan changes. Property type is the beginning of the assessment—not the conclusion.
Access, configuration, clear height, loading, location and alternative occupier demand can materially affect value and liquidity.
Evidence: lease + market depth
Grade, floorplate, fit-out, vacancy, incentives, strata position and local leasing conditions require close review.
Evidence: net income + incentives
Tenant covenant, foot traffic, lease expiry, outgoings, permitted use and the surrounding trade area drive appetite.
Evidence: tenancy + location
The commercial and residential components, zoning, access, income split and sale market must be assessed together.
Evidence: use mix + valuation
Medical, childcare, hospitality and purpose-built assets may rely on licences, operator quality and viable alternative use.
Evidence: operator + fallback use
The asset may be the same, but the use of funds, existing debt, timing and repayment strategy change the credit structure.
Confirm the contract, settlement deadline, deposit, acquisition costs, accepted value, entity structure, occupancy plan and ongoing repayment capacity.
Verify every payout, current facility terms, reason for refinancing, resulting cash flow, security position and whether the new term solves the underlying issue.
Measure net usable funds after existing debt, interest, fees and costs, then connect the release to a genuine business purpose and credible repayment source.
This matrix is a starting point for business-purpose enquiries. Actual leverage, term and location appetite depend on the complete transaction and lender assessment.
| Commercial-property pathway | Indicative leverage | Typical term profile | Location appetite | What drives approval |
|---|---|---|---|---|
| Purchase or refinance | Up to 80% LVR for selected qualifying first-mortgage assets; lower limits commonly apply | Short, medium or longer-term structures | Australia-wide enquiries; strongest appetite in metropolitan and established regional markets | Accepted value, property type, deposit or equity, borrower capacity and exit |
| Equity release | Based on accepted value less existing secured debt, interest and costs | Often short to medium term | Metropolitan and marketable regional property preferred | Net usable funds, ranking, business purpose, serviceability and repayment source |
| Lease-doc or income-led | Case-specific; tenancy quality and net income materially affect leverage | Medium or longer-term options may be available | Established markets with supportable leasing evidence | Lease term, tenant covenant, vacancy, outgoings and debt-service capacity |
| Specialised property | Usually more conservative and property-specific | Case-specific | Depends on alternative use, market depth and saleability | Specialist valuation, operator experience, licences, cash flow and contingency |
| Urgent or distressed refinance | Conservative and based on verified equity after all payouts and costs | Short-term, exit-led structure | Marketable Australian commercial property, assessed individually | Deadline, payout, title, valuation, default position, net requirement and credible exit |
Important: these are not offers or guaranteed parameters. All finance is subject to lender criteria, valuation, due diligence, documentation and formal approval. Basic Finance may act as a direct lender or facilitate finance with an appropriate lender.
Purpose, amount, timing, borrower, cash flow, security and repayment source.
Identify documents, gaps, risks and the facts a lender must verify.
Compare term, security, repayment profile, total cost and lender fit.
Coordinate approval, due diligence, documents and settlement conditions.
Selected office, retail, industrial, warehouse, mixed-use and other commercial assets may be considered. Specialised or limited-market properties can require lower leverage or specific lenders.
Up to 80% LVR may be considered for selected qualifying first-mortgage properties. Asset type, location, tenancy, borrower, interest treatment and exit can require lower leverage.
Yes. Owner-occupied property often relies more on business cash flow, while leased property also requires tenancy, net income, vacancy and market-rent analysis.
Eligible works may be considered with budgets, approvals, contingency, drawdown controls and an evidenced completion or refinance plan.
It is the value the lender uses for credit assessment, often based on an instructed valuation. It may differ from purchase price, asking price or borrower estimate.
Possibly, but hotels, childcare, service stations, purpose-built facilities and other specialised assets often require specialist valuation, lower leverage and stronger operator evidence.
Share those facts so we can identify the information required for a meaningful assessment.
Call: 0439 462 664
Email: info@basicfinanceloans.com.au
Use our contact form to share the property details, funding amount, purchase or refinance requirements, existing debt and proposed repayment strategy.