Commercial property loan questions
What this section covers
These pages answer six specific questions: how GST works when you buy commercial property and whether the lender funds it, what deposit you actually need, whether you can borrow against a vacant building, how long a commercial loan runs, whether directors must give personal guarantees, and how strata title commercial property is financed.
The answers describe common lender practice for standard commercial property. Specialised assets such as childcare centres, hotels and medical premises have their own sections and their own rules.
Questions answered in this section
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Commercial lending is policy driven: deposit, term, GST treatment and guarantees all depend on the lender and the property type. We connect you with a finance specialist who handles commercial property deals every week.
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Property Finance Help is a lead generation service, not a lender, broker, or financial adviser. All information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Consider seeking independent professional advice before making any financial decision.
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