Commercial Property Finance.
Whether you're buying your business premises or building an investment portfolio, commercial property finance is assessed differently from residential - lenders weigh the asset, the tenancy, and your financials together. We know which lenders suit which property types and negotiate on your behalf across 60+ options.
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Won't affect your credit score.
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How It Works
The right lender for the right commercial asset.
Commercial property finance is more complex than residential lending - lenders assess the property's income, lease terms, tenant quality, and asset type alongside your financial position. The right lender for a retail strip is often different from the right lender for an industrial shed or medical suite.
At Co-Pilot Finance & Insurance, we understand how each asset class is assessed and which lenders have the strongest appetite for different property types. Whether you're an owner-occupier securing your business premises or an investor building a commercial portfolio, we match you with the lender best suited to your deal.
We handle the full process - from pre-approval and valuation management through to settlement - so you can focus on your business or your next acquisition while we manage the finance.
Owner-Occupier & Investment Loans
Finance the premises your business operates from, or build a commercial property portfolio as an investor. Both paths are available with tailored loan structures.
Broad Property Types
Office, retail, industrial, medical, hospitality, and mixed-use - we work with lenders who specialise in the specific asset class you're financing.
Competitive Commercial Rates
Commercial lending rates vary significantly across lenders. We search 60+ options to secure the most favourable terms for your property and borrower profile.
Flexible Loan Structures
Interest-only periods, variable or fixed rates, and construction facilities for new builds - we match the structure to your cash flow and investment strategy.
Run The Numbers
Calculate your commercial property finance repayments
Enter your loan details
Estimated monthly repayment
$8,678.23
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Who It's For
Commercial property finance - who buys and why
Whether you're buying to operate, invest, or develop - commercial property finance works across a wide range of buyers and asset types.
Business Owner-Occupiers
Purchase the commercial premises your business operates from - stop paying rent to someone else and start building equity in an asset your business controls.
Commercial Property Investors
Grow a portfolio of income-producing commercial assets - offices, retail tenancies, or industrial units - with lending tailored to investment returns and lease terms.
Retail & Hospitality Operators
Secure the shopfront or venue your business needs, with financing structured around your trading income and the property's tenancy profile.
Industrial & Warehouse Buyers
Finance industrial properties for your operations or as investment - a sector with strong yields and growing demand across most Australian capital cities.
Key Benefits
Why businesses and investors choose commercial property finance
Capital Growth Potential
Well-located commercial properties in strong markets offer compelling long-term capital growth alongside rental income - building wealth as property values rise.
Strong Rental Yields
Commercial properties typically offer higher rental yields than residential - often 5–8% - with tenants responsible for outgoings under net lease arrangements.
Longer Lease Terms
Commercial tenants typically sign 3–10 year leases, providing more stable, predictable income than residential tenancies.
Tax Deductible Expenses
Loan interest, depreciation, and property expenses are generally tax deductible for investment properties - improving your effective after-tax return.
Business Equity Building
Owner-occupiers who purchase their premises stop paying rent and begin building equity in an asset that grows alongside their business.
Portfolio Diversification
Add commercial property to a broader investment portfolio - an asset class with distinct drivers from residential property and financial markets.
Why Co-Pilot
Why Co-Pilot - not just any commercial property broker
Commercial Lending Expertise
Commercial property finance is assessed differently from residential lending. Our brokers understand how lenders evaluate income, lease terms, and asset quality - and how to present your deal effectively.
60+ Lenders Including Commercial Specialists
Access to major banks, non-bank lenders, and specialist commercial lenders - each with different appetites for property types, locations, and borrower profiles.
Owner-Occupier & Investment Structuring
We structure the loan to match your purpose - whether you're buying to occupy, invest, or develop - with the right entity, term, and repayment type for your situation.
Competitive Rate Negotiation
Commercial rates vary more than residential - we leverage our lender relationships and volume to negotiate rates and terms you may not access directly.
Fast Pre-Approval
Know your borrowing capacity before you bid. We provide indicative pre-approvals quickly so you can act with confidence in a competitive commercial market.
We Manage Lenders, Valuers, and Solicitors
Commercial deals involve more moving parts than residential. We coordinate every party from pre-approval to settlement - so complexity doesn't become your problem.
Eligibility
Commercial property finance eligibility - what lenders look for
Commercial lending criteria vary more widely than residential - different lenders suit different property types and borrower profiles. Our team will match you with the right lender before you apply.
- 20–35% deposit or equivalent equity in existing property
- Strong business financials or personal income to service the loan
- Property meets lender's acceptable security criteria (type, location, condition)
- Lease documentation if purchasing an investment property with existing tenants
- Business financial statements - typically 2 years of tax returns and BAS
- Clear purchase contract or refinance purpose with supporting valuations
Don't meet every criterion? Speak to us - commercial lending is highly negotiable. We know which lenders are flexible and how to present your deal effectively.
Ready to secure your commercial property?
Whether you're buying your first commercial property or refinancing an existing portfolio, our team will assess your position and find the right lending structure for your deal.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Commercial Property Finance
Ready to secure your commercial property? Let's find the right lender.
Tell us about the property - type, location, purchase price, and your purpose. We'll come back with honest commercial finance options across 60+ lenders, no obligation. Most applications receive initial assessment within 48 hours.