Services

Commercial Property Loans

Confident, Clear Guidance for
SME Commercial Property Finance

Securing finance for a commercial property can feel complex for small and medium businesses — from stricter lending criteria to detailed financial assessments. Whether you’re purchasing premises for your SME or expanding into commercial property investments, we help you clearly understand your options and make confident, well-informed decisions.

Commercial Lending Designed
for Business Owners & Serious Investors

Built for Real-World
Business Needs

Commercial lending is highly specialised. Lenders look closely at business performance, rental yields, cashflow, and industry risk.

We simplify this complexity by explaining exactly how your financials are assessed and what steps can strengthen your lending position.

Access to a Wide Commercial
Lending Network

Through Yellow Brick Road Gladesville, we provide access to a range of commercial lenders suitable for:

  • Owner-occupied business premises
  • Commercial investment properties
  • Warehouses, industrial units, and factories
  • Offices, medical suites, and retail spaces
  • Mixed-use and specialised commercial assets
  • Non-standard or complex scenarios

This ensures you’re not limited to one bank’s criteria — you get options that align with your goals.

Forward-Looking,
Strategy-First Approach

Commercial property decisions impact more than the loan. They affect business stability, tax outcomes, asset protection, and long-term wealth creation. We help you:

  • Understand repayment structures and cashflow impacts
  • Choose tax-effective structures
  • Evaluate rental income and yield scenarios
  • Maintain borrowing flexibility for future business needs
  • Integrate commercial assets into your larger financial roadmap

Every recommendation supports clarity today and confidence tomorrow.

Aligned With Your Business and
Investment Goals

Whether you’re planning for business expansion or diversifying your portfolio, we ensure your lending strategy supports your long-term direction — not just the next purchase.

Clear Guidance at Every Step

From detailed documentation to lender negotiations, we guide you through each stage of the process so you always know exactly where you stand and what your next step should be.

What You Should Know
About Commercial Property Loans

Commercial lending involves more variables than residential lending — and understanding those variables helps you make smarter decisions.

We consider:

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Whether the property is business-occupied or for investment

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Cashflow stability and business financial performance

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Lease terms, rental yield, and tenant quality (for investments)

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Loan-to-value ratios and commercial risk grading

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Tax considerations, including GST, depreciation, and ownership structures

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How the loan aligns with your overall financial roadmap

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Risk management to protect your business and family

Our goal is to give you complete clarity — so you can take confident action.

Our Process

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Understand Your Goals

We start with your business objectives, cashflow needs, and long-term financial plans.

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Financial & Business Assessment

We review business statements, tax returns, rental yields, and cashflow to determine borrowing capacity and strategy.

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Lender Research & Recommendations

We compare commercial lenders and structure options to find solutions aligned with your goals and risk profile.

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Application & Negotiation

We prepare and submit your application, negotiate with lenders, and manage all communication on your behalf.

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Settlement & Structuring

We guide you through settlement and ensure the loan structure supports business operations and long-term financial efficiency.

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Ongoing Business & Portfolio Support

As your business grows, we review your lending and help you plan confidently for future expansion or additional acquisitions.

FAQs About Commercial Property Loans

Do you work with business owners? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

How is a commercial loan assessed? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

Can you help me buy a property for my own business to operate from? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

Do you help with commercial investment properties? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

Is the documentation more complex than a residential loan? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

Do you charge a fee? Icon

Lenders review business financials, property yield, lease terms, security type, and industry risk. We guide you through each requirement.

Why Choose Khaw Wealth Consulting
for Commercial Property Loans?

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12+ years’ experience
across financial planning and mortgage broking

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30 years of professional
financial and commercial expertise

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Registered Financial Adviser
with a full-picture understanding of your finances

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Registered Mortgage Broker
with strength in complex lending

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Registered CPA
offering analytical, tax-aware guidance

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Extensive experience working with business owners and professional investors

We don’t just arrange commercial loans —

we help you make clear, confident decisions that strengthen your business and
build long-term wealth.

Ready to Explore Your
Commercial Property Options?

Let’s design a commercial lending strategy that supports your
business growth and long-term financial roadmap.

Speak with Alan and take the next step with clarity and confidence.

Let’s Talk!

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