Commercial lending works differently to a standard home loan, with different criteria around deposits, leases and loan terms.
Meet Mel and the Zest team, who've helped hundreds of clients secure finance for their commercial property.
Commercial lending works differently to a standard home loan, with different criteria around deposits, leases and loan terms. Lender appetite for retail, office and industrial property differs, and so does the way they treat tenanted versus vacant properties. Two lenders can look at the same building and come back with very different terms.
We compare 60+ lenders to match you with one that suits the property and your plans for it. Our team is based in Springfield and works with commercial buyers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe financing a commercial property should be just as simple as a home loan. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team works out your borrowing power and what a commercial loan repayment could look like for you. No cost, no obligation.
Lender appetite for retail, office and industrial property differs, along with how they treat tenanted versus vacant properties. We compare across 60+ to match you with the right one.
Once you have chosen a lender, we manage the valuation, documentation and settlement process so the property purchase or refinance goes through smoothly.
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A commercial property loan suits business owners buying their own premises and investors buying commercial property, such as offices, shops, warehouses and medical suites. Commercial lending works differently from home loans, with different deposits, terms and assessment. Business owners buying premises should also look at our business loans page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Commercial activity across the Springfield and Ipswich region continues to grow, including retail, health and industrial property. Lenders look closely at location, tenancy and property type, so we help you find the right fit before you commit.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Commercial lenders usually ask for a larger deposit than residential loans. The amount depends on the property type, location and your financial position.
Yes, it's possible, and some business owners buy their premises through their super. See our SMSF property loan page and get advice from your accountant or financial adviser first.
Usually, yes. Terms are often shorter and some loans are reviewed periodically, so it's important to understand the conditions.
Yes. For investment properties, the lease terms and tenant quality are a big part of the lender's assessment.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
