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

What we offer

We can tailor a solution to meet your needs with interest-only, partial interest and capitalised interest loans available, and our experienced BDMs will work with you throughout the entire loan application process. 

We have almost 30 years experience and have been involved many commercial and industrial properties across the country. Being a specialist lender, we can be flexible and agile, and we understand a speedy turnaround is important, so we aim to have loans settled as soon as possible. If we’re not the right funder for the project we will let you know quickly to so can seek finance elsewhere.

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

Commercial/Industrial Loan Applications

What we review and a checklist of documents that we may need to support your application:

  • Fully completed, signed & dated application (including signed Applicant’s & Guarantor’s Agreements)
  • Commentary regarding the purpose of the loan, term required, & intended exit strategy
  • Documentation to support identification & NZ Residency / Citizenship status
  • Verification of income (recent payslips / Employment Agreement / IR3 / signed financials or similar)
  • Registered Valuation (addressed to First Mortgage Custodians Limited)
  • Evidence to support the origin of your contribution to the proposed deal (source of deposit funds etc)
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable

Our team can talk you through the details once the application process starts.

Lending Criteria and Rates
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“Being able to talk out your concerns and having a reassurance come back on the phone is where it’s at.”

 

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