Commercial / Industrial Loans

Our team is available and experienced to help with commercial and industrial properties, whether it’s an existing property you’re buying, or new commercial property that you’re developing, either pre-leased, or to be leased up and sold, or held as a long-term investment.

We can help with funding for:

Industrial development and construction
Commercial development and construction
Commercial and industrial properties, pre-leased or leased, or as investment
Warehouses

Lending Conditions

What we offer

Commercial/Industrial
Land & Buildings in fee simple: up to 66.7%
Vacant land in fee simple: up to 50.0%

Our interest rates start from 6.65% on lending up to $5m.
For loans over $5m, we can discuss tailored pricing.

Your final rate will depend on:

Loan amount and term
Income and existing financial commitments
Credit history
Loan-to-value ratio (LVR) of the security property offered

We tailor lending solutions to suit your needs, including interest-only and capitalised interest options. Our
experienced BDMs support you throughout the application process.

As a specialist lender, we’re flexible and agile, with fast turnaround times. If we’re not the right fit, we’ll let you know quickly so you can seek alternative funding.

Getting Started

We understand that most large commercial transactions are time sensitive, and we work hard to provide the finance quickly to meet your deadlines.

Before you start a lending application, we only need to know a few things to start a conversation about a commercial/industrial loan:

People Involved
Property Information – Location, Value Estimate
Lease information (tenancy schedule/lease agreement or even just a number)
Lending required
Use of funds
Exit Plan

Please get in touch with one of our BDMs to discuss a potential loan. If you’ve got this information on hand, we can give you a quick indication of whether or not we are the right property finance partner for you.

If not, we know the market and will be able to point you in the right direction.

Contact our Lending Team

Download FMT Lending Pack

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Which type of fund is right for me?

Complete this questionnaire to see what type of fund might be the most tax effective for your circumstances. Please note, this is just a guide and we recommend you seek professional tax advice.

Are you investing as an individual or trust?

An individual A trust

Other investor types should seek professional tax advice.

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Individual

Is your tax return completed by a tax adviser or accountant?

Yes No

Can you reasonably estimate your own annual income?

Yes No

What is your total income from all sources (including PIE income)?

< 48k 48-70k 70-119k > 119k

YOUR RESULTS

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Trust

Do you distribute all annual income to beneficiaries?

Yes Some income is distributed No distribution

Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

Yes No

YOUR RESULTS

Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.