Learn more
Commercial Real Estate Loan
Financing to purchase, refinance, or cash out equity in a commercial property — for owner-occupied businesses or investment properties.
A mortgage on property used for business rather than as your home — offices, retail units, warehouses, apartment buildings.
Apply NowWho it's for
Buyers and owners of income-producing or business-occupied property.
How it works
- 1The lender assesses the property's income and condition alongside your finances.
- 2A deposit is normally required, commonly a meaningful share of the price.
- 3Terms run for years, though many carry a balloon — a large final payment — before full amortisation.
- 4The property secures the loan.
What to watch out for
Watch for a balloon payment. Many commercial loans amortise over 25 years but come due in 5 or 10, meaning you must refinance or sell by then.
At a glance
- ●Purchase, refinance, or cash-out options
- ●Longer terms than most business financing
- ●Based on the property's value and your business financials
- ●For owner-occupied or investment commercial property
Common questions
What is a balloon payment?
Payments are calculated as if the loan runs a long time, but the remaining balance falls due much earlier. Know that date from day one and plan the refinance well ahead of it.