Western Sydney's industrial estates and shopping strips, from Seven Hills and Blacktown to Parramatta, attract both business owners buying their own premises and investors seeking commercial returns. Commercial finance works differently from a home loan, so preparation matters.
How commercial lenders assess a deal
- The lease: length, rent, reviews and who pays outgoings.
- The tenant: their business strength and track record.
- The property: location, type and how easy it would be to re-lease.
- Your position: income, other assets and experience.
Deposit and terms
Expect to need a larger deposit than for residential property, often 20–35%, sometimes less with additional security such as your home. Loan terms can be shorter and some loans have periodic reviews. We explain every condition before you sign.
Buying your own premises
Owning your premises can give you control and stability. Lenders look at your business financials, so have two years of statements ready. See commercial property loans and business finance.
Through your SMSF
An SMSF can buy business real property and lease it to your business at market rent, subject to strict rules. Get advice from a licensed financial adviser first, then read our SMSF property loans guide.
Common property types and how lenders see them
| Type | Lender view |
|---|---|
| Retail shop with strong tenant | Generally well regarded, depending on location and lease |
| Office suite | Depends on location, vacancy rates and lease length |
| Industrial unit or warehouse | Often popular with lenders in established industrial areas |
| Specialised property (e.g. childcare, service station) | Fewer lenders, closer scrutiny |
Preparing a strong application
- A copy of the lease and any tenant financials you can obtain.
- Two years of business and personal financials if you're owner-occupying.
- A clear summary of the deal and your experience.
- Details of other assets and liabilities.
Buying the business as well as the premises? See business finance.
Discuss a commercial purchase
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