Commercial Property Loans

Retail, Industrial & Commercial Property Loans

Mortgage One can be structure loans to accommodate business cash flows and provide interest rate management tools to hedge against adverse interest rate movements. We can tailor a finance pack to suite the following securities:

  • shopping centers,
  • industrial factories,
  • commercial business parks,
  • hotels,
  • motels,
  • petrol stations
  • healthcare orientated property

Mortgage One has access to an extensive network of Banks, Non Bank Financial Institutions and Private Lenders to help you find a better financial solution for you and your business.

  Owner Occupied Investment
Lending Value Ratio up to 85% up to 85%
Term 1 – 15 years 1 – 5 years
Repayment Type Interest Only
Principal reductions available on application
Interest Only
Principal reductions available on application
Interest Type Variable
Fixed 1-3 & 5 years
Variable
Fixed 1-3 & 5 years

Interest Rates and Fees

Commercial mortgage interest rates are quoted in various formats by different lenders within the market making it difficult to accurately compare rates from various lending institutions.

Common practice is to use a base indicator in the form of a swap rate based on the term of the loan i.e. 90 Day Bank Bill Swap Rate. A risk margin is then added to the base indicator rate to provide the borrower with a final interest rate.

Alternatively, interest rates may be advised as being quoted using the Lender's ‘Cost of Funds' or ‘Bill Rate' which will include Treasury Margin to compensate their Treasury Department for procuring the funds from the wholesale market. 

An applicable risk margin is then added to provide a final interest rate.

Some lender may also charge a Line Fee in addition to any risk margin. A Line fee is charged on the facility Limit regardless of the outstanding loan balance.

Hence it is very important when comparing rates that you are aware of the base indicator rate, applicable risk margin and of all the fees that may be levied on the loan i.e. Line Fee, Rollover Fee etc, to correctly assess the true cost of the loan.

Commercial loans can be costly to establish as there is a number of professional services that are utilised during the approval process.

  • Solicitor
  • Finance Broker
  • Property Valuer

Contact Us for more information and to discuss the most suitable loan for your unique situation.


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