At Heritage Finance, we support Australian business owners, investors, and developers with tailored finance options for commercial property. Whether you’re purchasing an office space, funding a new development, or acquiring a site through your SMSF, we work with you to structure the right loan — from the ground up.
With access to a broad panel of bank and non-bank lenders, we help you secure the right terms for your goals — not just what the bank says you qualify for.
Whether it’s an owner-occupied property or a long-term investment, we assist across a range of property types:
If you’re a business owner renting your premises, you may be able to purchase the property through your SMSF. This strategy allows your super fund to own the property while your business pays rent — often with potential tax advantages and long-term asset growth.
SMSF lending involves strict compliance rules. We recommend seeking advice from a qualified accountant or financial adviser before proceeding.
Development loans are more complex than standard mortgages. Lenders assess:
We can assist with structuring the right facility, whether it’s a staged construction drawdown or residual stock loan to help you refinance unsold properties post-build.
Many commercial loans require:
In some cases, a lease-doc product may allow approval based on the rental income of the property alone
Ability to navigate tight timeframes and off-market opportunities
Whether you’re buying your own business premises or planning your next development, we can guide you through your options and structure the finance to suit your long-term goals.
Start the conversation today. Contact us and we’ll be in touch to explore what’s possible.
