- +61430165977
- info@eaglehomeloans.com.au
- Unit 306/101 Overton Rd, Williams Landing VIC 3027, Australia
Support your business expansion with the right financing.
Whether you’re upgrading your warehouse, expanding your retail space, or moving into a larger office, the right commercial loan can help you take the next step with confidence. Buying a warehouse, retail space, office or other commercial property is a significant step, and commercial lending plays by different rules than a residential mortgage. Deposits, loan terms, interest rates and the way lenders assess the deal all differ, and small differences in structure can have a large impact over the life of the loan. Eagle Home Loans compares commercial lending across more than 60 lenders, helping investors and business owners across Melbourne’s West secure finance that stacks up, whether you’re buying premises for your own business or adding a commercial asset to your portfolio.
Commercial loans can be complex, with varying structures and requirements. We break it down and provide tailored solutions that fit your business.
We help you:
Most lenders assess first home buyers on a combination of factors, not just income. Generally, you’ll need to show:
Beyond your deposit, first home buyers should budget for:
Consider a first home buyer purchasing a $600,000 property with a 10% deposit ($60,000). Using the First Home Guarantee, they avoid Lenders Mortgage Insurance entirely a saving that can run into thousands of dollars depending on the lender and loan size. Combined with potential stamp duty concessions, their total upfront costs are significantly reduced compared to a standard purchase.
Rather than being limited to one bank’s products, we compare options across a panel of more than 60 lenders including major banks, credit unions, and specialist first-home-buyer lenders to find a loan structure that actually suits your situation, not just the first offer you’re shown.
We start with the deal itself: the type of commercial property, whether you'll occupy it or lease it out, and how it fits your business or investment strategy. Commercial lenders assess owner-occupied and investment purchases differently, so getting clear on this shapes everything that follows.
Commercial loans involve more moving parts than a home loan, including larger deposits, shorter terms and different rate structures, so we work through the options that suit your cash flow and goals. The right structure balances repayments, term and flexibility rather than defaulting to a standard template.
Commercial lending is often assessed case by case, so how the deal is presented matters enormously, including the property, the lease or business income, and your overall position. We package the application to give lenders confidence and to put you in the strongest position to negotiate terms.
Once finance is secured, we confirm the structure is correct and that you're clear on the terms, repayments and any review conditions. Because commercial loans are often reviewed periodically by lenders, we stay available to help you navigate those reviews and refinance if a better position becomes available.
Commercial loans differ in almost every key term: they usually require a larger deposit, often around 20 to 30% or more, come with shorter loan terms, and are frequently assessed on the property’s income and your business’s strength rather than just your personal salary. Interest rates and fees are also structured differently, and lenders tend to assess each commercial deal individually rather than against a fixed formula. This case-by-case nature means outcomes vary widely between lenders. We’ll help you understand what each lender is looking for and position your application to meet it.
Commercial lending typically requires a larger deposit than residential, often in the range of 20 to 30% or more of the property value, though this varies with the property type, the strength of the deal and the lender. Specialised or higher-risk property types usually attract higher deposit requirements, while strong, well-leased assets may need less. Some borrowers use equity in other property to help fund the deposit rather than cash. We’ll assess your situation and the specific property to give you a realistic deposit figure, and explore whether existing equity can reduce the cash you need upfront.
Yes, and buying your own premises is one of the most common reasons business owners seek commercial finance, because owning rather than leasing can build a valuable asset and give you control over your location. Lenders assess owner-occupied commercial purchases partly on your business’s ability to service the loan, so your trading performance and cash flow matter alongside the property itself. The structure can also carry tax and cash-flow implications worth discussing with your accountant. We’ll help you weigh buying against leasing and structure the finance so it supports the business rather than straining it.
Commercial loan terms are generally shorter than residential mortgages, often ranging from around 10 to 20 years, and some facilities are structured with regular reviews rather than a single long fixed term. Shorter terms mean higher repayments but less total interest, while the review structure means your lender may reassess the loan periodically. Interest-only periods are also more common in commercial lending than residential. Because these structures affect your cash flow significantly, we’ll walk you through the options and match the term and structure to how your business or investment generates income.
Lenders look at the property itself, the income it generates or the business that will occupy it, your financial position, and the overall risk of the deal, weighing these case by case rather than against a rigid formula. For an investment purchase, the strength and length of the lease matters a great deal; for an owner-occupied purchase, your business’s trading performance carries more weight. Because assessment is discretionary, presentation and choosing the right lender make a real difference to the outcome. We package the deal to highlight its strengths and take it to lenders whose appetite suits it.
Yes, and refinancing commercial property is often worthwhile because commercial rates and terms vary widely between lenders and can shift as your business or the property’s position strengthens. Investors and business owners refinance to secure a better rate, release equity for another purchase, or restructure repayments as circumstances change. Because commercial loans are assessed individually, the benefit of switching depends on your specific deal, so it’s worth reviewing periodically rather than assuming your current terms are still competitive. We’ll compare your existing facility against the market and tell you honestly whether refinancing improves your position.
Let’s make your dream of owning a home a reality.
Speak with our team today and get personalised guidance tailored to your situation.
