Commercial Property

Commercial Property with the Right Finance Behind You

Commercial property isn’t just another asset class, it’s a powerful tool to grow your business, build wealth, and open up new possibilities.

Whether you’re buying your own premises, investing for cash flow, or unlocking equity to fund your next move, commercial real estate can deliver stable returns, longer leases, and strong tax outcomes. But it’s a different beast to residential property and understanding how the finance works is key. That’s where we come in.

At Vita Finance, we help business owners, investors, and SMSF trustees navigate the world of commercial lending with clarity and confidence. We cut through the noise, build the right loan structure, and ensure the numbers stack up!

Lenders Will Look At

  • The Property Type

    Is it specialised or general-use? That impacts both risk and value.

  • The Lease Terms

    Length, rent amount, tenant quality, and break clauses all matter.

  • The Rental Income

    Often the primary factor used to assess loan servicing.

  • The Strength of the Borrower or Business

    Particularly for owner-occupiers.

  • The Exit Strategy

    Whether you plan to hold, sell, develop, or upgrade.

  • Put simply, commercial property is any real estate used to generate income through business or rent. That includes:

    • Retail & Office Suites - From high-street shops to boutique commercial spaces.

    • Warehouses & Industrial Units - Often with strong lease yields and simple tenancy.

    • Medical & Allied Health Clinics - Including GPs, dentists, pharmacies, and specialists.

    • Childcare Centres - High-demand assets with long-term tenant potential.

    • Service Stations - Unique financing needs, but strong returns when structured right.

    • Hotels, Motels & Pubs - Higher complexity, but attractive for experienced operators.

    • Shopping Centres & Multi-Tenant Buildings - Great for scale and income diversification.

    People get into commercial property for different reasons. Some want to stop paying rent to someone else and buy their own premises. Others are looking for higher yields and longer leases than residential property offers. Some are building multi-property portfolios or diversifying their SMSF.

    The opportunity is there, but only when you approach it with the right team and the right plan.

  • Commercial lending doesn’t follow the same rules as home loans. The banks assess the deal more than the person, so we help make sure your deal stacks up from the start.

  • Before you decide to proceed with any deal, you want to know the upside, the risks, and whether it’s worth your time, energy, and money. Our job is to illuminate the pathway forward for consideration and discussion.

    We help you answer:

    • Does the cash flow work - realistically?
      We test it with vacancies, interest rate rises, and lease changes.

    • Is the structure right for you?
      Personal name, trust, company - it all affects tax, liability, and future lending.

    • What’s your long game?
      Are you building income? Planning a development? Creating legacy?

    Let's align your finances around that. We don’t sugar-coat the numbers. If it doesn’t stack up, we’ll tell you. If it does, we’ll help you make it happen.

  • Using your Self-Managed Super Fund to buy commercial property can be a smart move, but it needs to be done right.

    With the right structure, your SMSF can:

    • Buy commercial premises for your business

    • Pay rent from your business to your fund (at market rates)

    • Grow your super using concessional tax rates

    • Hold a valuable asset for the long-term

    It’s done using a Limited Recourse Borrowing Arrangement (LRBA)—which has stricter rules, higher deposit requirements, and tighter serviceability criteria than regular loans.

    The upside? Your fund owns the property. Your business pays rent to your fund. And the capital gains and income are treated on a concessional tax basis.

    It’s not the right fit for everyone, and it takes the right accounting, legal, and finance team working in sync. We help coordinate that and make sure you’re not flying blind.

    Whether you’re buying your first commercial property or adding to an established portfolio, we’ll help you move forward with clarity, confidence, and a plan that makes sense.

We support clients with all aspects of commercial property finance, including:

Purchasing your business premises.

Refinancing or restructuring existing commercial debt.

Releasing equity to fund renovations, investments, or growth.

SMSF commercial property purchases.

Lending for specialised assets (medical, industrial, childcare, etc.)

Strategic portfolio expansion.

Anything with a Commercial feel or flavour, always give us a call first!

We’ll help you move forward with clarity, confidence, and a plan that makes sense.

The Numbers Matter. But So Does the Strategy.

Most chase the loan. We help you chase the outcome.

Let's talk through your goals, stress-test your deal, and map out the best path, before you decide to jump in. Good finance isn’t just about getting approved. It’s about getting ahead