Tailored Commercial Lending for owners & Investors

Commercial Mortgages

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What Sets Our Lending Apart

Owning or investing in commercial property is a major financial move—whether you’re securing premises for your business or building a long-term investment portfolio. The right finance structure ensures strong cash flow, tax efficiencies, and capital growth potential, but navigating commercial lending can be complex.

At By Invite Finance, we don’t just source loans—we design commercial finance strategies tailored to your business goals, investment strategy, and risk profile. With access to a broad network of banks, private lenders, and alternative finance options, we secure lending solutions that work for both owner-occupiers and investors.

Navigating Commercial Finance - What You Need to Know

What Types Of Commercial Properties Can Be Financed?
How Are Commercial Mortgages Structured?
Commercial Property for Medical & Dental Professionals
How Do Lenders Assess Commercial Mortgage Applications?
Borrowing Structures Available for Commercial Mortgages
Are alternative finance options available?

What Types Of Commercial Properties Can Be Financed?

Commercial mortgages can be structured for a variety of owner-occupied and investment properties, including:

Office buildings & corporate spaces – Secure a long-term base for your business or lease to commercial tenants.
Retail shops & hospitality venues – Finance for cafes, restaurants, and high-traffic retail locations.
Industrial properties & warehouses – High-yield assets with long-term lease stability.
Medical, childcare & specialist properties – Secure commercial premises tailored for professional services.
Mixed-use developments & commercial investments – Finance for properties combining residential and commercial components.

Whether you’re buying for your own business or expanding your investment portfolio, we structure finance that works for your cash flow, risk appetite, and long-term strategy.

How Are Commercial Mortgages Structured?

Commercial property loans differ from residential lending in terms of structure, assessment, and risk criteria. Typical features include:

Loan Terms: Typically 5 to 30 years, depending on lender and asset type.
Loan-to-Value Ratios (LVRs):Owner-Occupied: LVRs of 70-80%, depending on financials.
Investment Properties: LVRs of 60-75%, based on rental income and asset type.
Interest Rate Options: Fixed, variable, or mixed structures.
Repayment Types: Principal & Interest (P&I) or Interest-Only (IO) for cash flow flexibility.

At By Invite Finance, we tailor your loan structure to balance affordability, tax efficiency, and long-term growth.

Commercial Property for Medical & Dental Professionals

Like with Home & Investment Lending, banks offer enhanced lending terms for medical and dental specialists purchasing owner-occupied commercial premises.

At By Invite Finance, we can help doctors and dentists secure loans that cover up to 100% of the purchase price or asset value—without the need for Mortgage Insurance. In some cases, we can also arrange temporary funding for the GST component of a commercial purchase, reducing upfront cash flow strain.

Mortgage Insurance is typically required when borrowers contribute less than a 20% deposit, but lenders often waive this for medical professionals due to their low-risk profile and strong earning potential. The availability of these exclusive finance options depends on the lender, your profession, and your financial position—but we guide you through the process to ensure you secure the best possible outcome.

How Do Lenders Assess Commercial Mortgage Applications?

Unlike residential loans, commercial mortgages are evaluated based on both your financial position and the income potential of the property. Lenders consider several key factors when assessing applications:

Business Financials & Cash Flow – For owner-occupied premises, lenders assess business turnover and profitability, often factoring in your current rental expense as it will be replaced by the proposed mortgage. For new businesses in certain industries, some lenders will also accept Accountant-prepared financial projections.
Property Income & Lease Strength – For investment properties, rental yield and tenant stability are key. Lenders prefer long-term leases with strong tenants, as these reduce risk and improve borrowing potential.
Deposit & Equity Contribution – Loan-to-Value Ratios (LVRs) and deposit requirements vary based on the type of commercial property and the borrower’s financial strength.
Industry & Asset Risk – Some commercial properties—such as hospitality, retail, or service-based premises—face higher lender scrutiny due to industry volatility, while others, like medical and industrial properties, may receive more favourable terms.

At By Invite Finance, we align you with lenders who understand your industry and property type, ensuring you receive stronger approval prospects and better lending terms. That’s just one of the benefits of having an expert team in your corner.

Borrowing Structures Available for Commercial Mortgages

Business Financials & Cash Flow – For owner-occupied premises, lenders assess business turnover and profitability, often factoring in your current rental expense as it will be replaced by the proposed mortgage. For new businesses in certain industries, some lenders will also accept Accountant-prepared financial projections.
Property Income & Lease Strength – For investment properties, rental yield and tenant stability are key. Lenders prefer long-term leases with strong tenants, as these reduce risk and improve borrowing potential.
Deposit & Equity Contribution – Loan-to-Value Ratios (LVRs) and deposit requirements vary based on the type of commercial property and the borrower’s financial strength.
Industry & Asset Risk – Some commercial properties—such as hospitality, retail, or service-based premises—face higher lender scrutiny due to industry volatility, while others, like medical and industrial properties, may receive more favourable terms.

Are alternative finance options available?

For borrowers who don’t meet traditional bank criteria, Lease Doc and Low Doc loans offer flexible pathways to commercial finance.

Lease Doc Loans – Designed for investment properties, assessed solely on rental income, with no need for full financials. Ideal for investors with strong lease agreements.
Low Doc Loans – Suitable for self-employed borrowers or those with complex financials, requiring BAS statements or accountant declarations instead of full tax returns.
Private Lending & Alternative Finance – Flexible solutions for borrowers needing non-bank lending, customised repayment structures, or faster approvals.

At By Invite Finance, we secure finance solutions tailored to your unique financial position—without the roadblocks of traditional lending.

What Types Of Commercial Properties Can Be Financed?

Commercial mortgages can be structured for a variety of owner-occupied and investment properties, including:

Office buildings & corporate spaces – Secure a long-term base for your business or lease to commercial tenants.
Retail shops & hospitality venues – Finance for cafes, restaurants, and high-traffic retail locations.
Industrial properties & warehouses – High-yield assets with long-term lease stability.
Medical, childcare & specialist properties – Secure commercial premises tailored for professional services.
Mixed-use developments & commercial investments – Finance for properties combining residential and commercial components.

Whether you’re buying for your own business or expanding your investment portfolio, we structure finance that works for your cash flow, risk appetite, and long-term strategy.

How Are Commercial Mortgages Structured?

Commercial property loans differ from residential lending in terms of structure, assessment, and risk criteria. Typical features include:

Loan Terms: Typically 5 to 30 years, depending on lender and asset type.
Loan-to-Value Ratios (LVRs):Owner-Occupied: LVRs of 70-80%, depending on financials.
Investment Properties: LVRs of 60-75%, based on rental income and asset type.
Interest Rate Options: Fixed, variable, or mixed structures.
Repayment Types: Principal & Interest (P&I) or Interest-Only (IO) for cash flow flexibility.

At By Invite Finance, we tailor your loan structure to balance affordability, tax efficiency, and long-term growth.

Commercial Property for Medical & Dental Professionals

Like with Home & Investment Lending, banks offer enhanced lending terms for medical and dental specialists purchasing owner-occupied commercial premises.

How Do Lenders Assess Commercial Mortgage Applications?

Business Financials & Cash Flow – For owner-occupied premises, lenders assess business turnover and profitability, often factoring in your current rental expense as it will be replaced by the proposed mortgage. For new businesses in certain industries, some lenders will also accept Accountant-prepared financial projections.
Property Income & Lease Strength – For investment properties, rental yield and tenant stability are key. Lenders prefer long-term leases with strong tenants, as these reduce risk and improve borrowing potential.
Deposit & Equity Contribution – Loan-to-Value Ratios (LVRs) and deposit requirements vary based on the type of commercial property and the borrower’s financial strength.
Industry & Asset Risk – Some commercial properties—such as hospitality, retail, or service-based premises—face higher lender scrutiny due to industry volatility, while others, like medical and industrial properties, may receive more favourable terms.

Borrowing Structures Available for Commercial Mortgages

Business Financials & Cash Flow – For owner-occupied premises, lenders assess business turnover and profitability, often factoring in your current rental expense as it will be replaced by the proposed mortgage. For new businesses in certain industries, some lenders will also accept Accountant-prepared financial projections.
Property Income & Lease Strength – For investment properties, rental yield and tenant stability are key. Lenders prefer long-term leases with strong tenants, as these reduce risk and improve borrowing potential.
Deposit & Equity Contribution – Loan-to-Value Ratios (LVRs) and deposit requirements vary based on the type of commercial property and the borrower’s financial strength.
Industry & Asset Risk – Some commercial properties—such as hospitality, retail, or service-based premises—face higher lender scrutiny due to industry volatility, while others, like medical and industrial properties, may receive more favourable terms.

Are alternative finance options available?

For borrowers who don’t meet traditional bank criteria, Lease Doc and Low Doc loans offer flexible pathways to commercial finance.

Lease Doc Loans – Designed for investment properties, assessed solely on rental income, with no need for full financials. Ideal for investors with strong lease agreements.
Low Doc Loans – Suitable for self-employed borrowers or those with complex financials, requiring BAS statements or accountant declarations instead of full tax returns.
Private Lending & Alternative Finance – Flexible solutions for borrowers needing non-bank lending, customised repayment structures, or faster approvals.

At By Invite Finance, we secure finance solutions tailored to your unique financial position—without the roadblocks of traditional lending.

Experiences, Exclusively Shared

“Working with Jordan was a game-changer for us. Running several national businesses, I’m used to handling complexity, but when it came to building our luxury home, we hit a wall with our existing lender. Despite a long-standing business relationship, they couldn’t get it done. Jordan, on the other hand, understood exactly what we needed and took a no-nonsense, bespoke approach to secure the finance we required, without missing a beat. Her ability to navigate complex financial structures and get things done was impressive. Thanks to her and the team, we’re now in our dream home, and business finance for our next big move is already in the works. These guys deliver, plain and simple. If you’re wanting results, these are the people to call.”

— Professional Services Business Owner