100% LVR for Owner Occupied Commercial Property
Are you a business owner wanting to unlock a safe and secure future for your company? Or even perhaps contemplated the purchase and ownership of your own premises, but held back by misconceptions on how tough it is to acquire commercial loans. In reality, the advantages associated with owning a business property and the acquisition of commercial real estate have never been easier. At WizWealth Finance, we will guide you by debunking the usual myths and exposing you to the immense possibilities that lie within the commercial real estate sector. Our experienced commercial loan structuring experts will suggest many distinctive solutions that will promise a strong financial future for you. One of our lenders is also able to offer a 100% loan towards the purchase of an owner-occupied commercial property, so that you can use the valuable business capital towards growing your business and not as a deposit for the commercial property purchase.Wealth Building
Owning your own business is a massive step towards building your wealth. Unlike leasing, in which the rent you pay will benefit the landlord, the purchase of your own commercial property opens you up to investing in assets that will increase in value over time. The value of property will generally increase, which then allows you the opportunity to build equity while also securing a valuable financial asset.
Predictable Costs
One of the primary advantages of owning your business premises is control over mortgage payments, which are often more stable than rental rates, which fluctuate based on demand in the area. This stability and predictability can lead to the ability to better manage your finances more effectively, especially in the current time of economic uncertainty. You also know that you won't be forced to move from the property at any stage, and any investments you make towards developing the asset are only going to add value to your own wealth.
Greater Control
By owning your own premises, this allows you to have the freedom to make adjustments or better the property according to the needs, without the requirement of landlord approval. This flexibility can enhance your business operations and create the space according to your needs and wants.
What to look for if investing in commercial property?
So you’ve weighed up the pros and cons wisely and are ready to step out into the commercial real estate market. With any investment you make, it is only right for you to make the first right decision, which is to buy the right property. We share the top 5 things that have to be considered about the location before buying any property. • Councils that have significant expenditure in place to invest in the local infrastructure • The population growth of the area, which directly affects the foot traffic • Suburbs experiencing gentrification as that leads to appreciation • Car Parking- the number of spaces available for the asset you are looking to purchase • Depending on the type of commercial property, the proximity to supermarkets/ retailers and transport Investment in commercial property can result in notable benefits with high rental returns and longer tenancy periods. However, we do advise getting financial and legal advice along your journey with investment in commercial property. As before any investment is fully agreed upon, a proper and thorough due diligence analysis must be completed before engaging in the purchase of the property. Your commercial loan does not consist of interest rate discussions; it involves finding the perfect lender who can tailor to your unique circumstances. We offer comprehensive commercial lending advisory services and have multiple commercial lenders on the panel, which allows for a diverse range of options, whether it’s your first commercial purchase or wanting to refinance an existing property.Related reading
Before comparing funding pathways, explore commercial property finance options and lender approval criteria.
Frequently Asked Questions
How can I buy commercial property with no deposit in VIC?
WizWealth Finance helps you buy commercial property loans with no deposit, including scenarios where the borrowers are looking to buy the property they are currently renting to replace the rental amount with a mortgage repayment. These scenarios mostly qualify for no deposit commercial property loan options in VIC if the cashflow impact is minimum.
What are Australian business loans with no deposit?
Australian business loans with no deposit are available through WizWealth Finance. We connect clients to lenders offering flexible commercial finance solutions.
Can I buy an owner-occupied commercial property with no deposit?
Yes, some lenders offer 100% LVR commercial loans, allowing business owners to purchase a commercial property without a deposit, subject to eligibility and lender assessment.
What are the benefits of owning a commercial property for my business
Owning your business premises helps build equity, provides stable mortgage payments, and gives you full control over how the property is used or modified
Which lenders offer commercial property loans?
Commercial property loans are available through banks, non-bank lenders, and specialist commercial lenders. WizWealth Finance compares multiple lending options to help business owners find a solution that suits their requirements.
Where can I find commercial lending options in Australia?
Find commercial lending options in Australia with WizWealth Finance. We guide businesses to secure commercial property loans Melbourne VIC, commercial property loans Doncaster, and commercial property loans Truganina as well as other tailored loan strategies.
Why consider no-deposit property finance in Australia?
No-deposit property finance in Australia via WizWealth Finance reduces upfront funding required, making commercial property ownership easier for investors and businesses.
Can WizWealth help arrange commercial loans for first-time buyers?
Yes, WizWealth Finance offers commercial lending advisory services and works with multiple lenders to help business owners secure suitable commercial loan options.
What factors should I consider before buying a commercial property
Important factors include location, local infrastructure investment, population growth, parking availability, and proximity to transport and retail areas.
Can I refinance an existing commercial property loan?
Yes, refinancing a commercial property loan may help improve cash flow, access better loan features, or support future business growth. An experienced commercial mortgage broker can help compare suitable refinancing options.
