COMMERCIAL LOANS
Unlock Your Business Potential with Commercial Property Loans
Expert guidance and tailored financing solutions for your commercial property investments, backed by our diverse industry experience.
What are the benefits of investing in commercial property?
- Substantial Income: Leases provide consistent cash flow and often yield higher returns than residential investments.
- Tax Advantages: Mortgage payments, depreciation, and maintenance costs can help reduce taxable income. It’s best to consult with a tax advisor for details.
- Asset Appreciation: Improvements and market dynamics can significantly boost property values.
- Reduced Business Expenses: Owning your commercial property can eliminate leasing costs, improving overall profitability.
How much can I borrow for a Commercial Loan?
Typically, banks lend up to 65% of the property’s value or purchase price. If you offer additional assets like your home or an investment property as security, you might secure up to 80% of that asset’s value.
What are the repayment terms for a Commercial Loan?
Repayment terms usually range from 10 to 15 years. If you use a residential property for security, the repayment period can extend to 30 years. Note that interest rates for commercial loans are generally 1-2% higher than those for standard home loans.
What documentation is required for a Commercial Loan?
You'll need:
- A Commercial Property Sale and Purchase Agreement
- The Lease Agreement detailing the rent (excluding GST) between you and the tenant.
At Indus Mortgages New Zealand, we understand that commercial property is more than just bricks and mortar—it's the foundation of business growth. Our commercial loans are designed to help you finance the purchase or development of a wide range of properties, from cozy shops to expansive office complexes.
With our extensive background in accounting and construction, we bring a unique perspective to commercial lending. We'll guide you through every step of the financing process, leveraging our expertise to help you make informed decisions that maximise your investment potential while keeping financial stress at bay.
Whether you're looking to expand your retail footprint or invest in prime office space, let Indus Mortgages be your trusted partner in turning your commercial property aspirations into reality. With our professional approach and friendly guidance, we'll help you secure the right loan to build your business empire—one property at a time.
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