Financing a commercial property is a different game to financing a home. Lenders look at things like rental yield, lease terms, tenant strength, and the long-term viability of the asset — not just your income and credit score. Whether you're buying an office, retail space, industrial unit, or warehouse, the right finance structure can make or break the deal.
Purpose-built lending Commercial finance isn't a one-size-fits-all product. Loan amounts, terms, and repayment structures are shaped around the cash flow and income potential of the property itself — not just your personal earnings.
A wide range of lending options From traditional bank loans to flexible non-bank solutions, every lender has different strengths. Banks often offer stability and competitive rates; non-bank lenders can move faster and take a more flexible view on complex deals. Knowing which door to knock on saves you time and money.
Apply NowGenuine commercial expertise — We understand commercial lending inside and out, and we know how to structure a deal that lenders say yes to.
Strong lender relationships — Our connections across banks and non-bank financiers mean we can match you with the right funder quickly, rather than you going lender to lender yourself.
Commercial property lending in New Zealand generally sits at lower LVRs than residential lending — typically in the range of 50–70% of the property's value, depending on the asset type, tenant strength, and lender appetite. Interest rates and terms also vary more widely than home loans, reflecting the individual risk profile of each deal. Because there's no single "standard rate" in commercial lending, getting the right advice on structure can make a meaningful difference to your overall cost of funds.
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