MORTGAGE BROKER BLOG

Commercial Property Owner-Occupiers vs Investors: What’s the Difference?

Commercial property owner-occupiers and commercial property investors purchase property for different purposes. An owner-occupier typically buys commercial premises to operate their own business from the property, while an investor purchases…

Understanding Guarantor Release: When and How It Happens

A guarantor release occurs when a lender removes a guarantor’s obligations from a home loan or other lending arrangement. This generally happens when the borrower can demonstrate sufficient equity, meets…

Residential vs Commercial Property in an SMSF: Key Differences

SMSFs can generally invest in both residential and commercial property, but the rules and opportunities can differ significantly. Residential property held by an SMSF is typically subject to strict restrictions…

Understanding Loan To Value Ratios in Commercial Lending

A loan-to-value ratio (LVR) is the percentage of a property’s value that is being financed through a loan. In commercial lending, lenders use the LVR to assess risk and determine…

Buying Your First Commercial Premises Finance Considerations

Buying your first commercial premises involves different finance considerations compared to purchasing a residential property. Lenders generally assess the business’s financial position, cash flow, deposit contribution, property type and intended…

Construction Loan Timelines What Borrowers Should Expect

Construction loans follow a different timeline to standard home loans because funds are generally released in stages as building work progresses. The process usually includes land purchase (if applicable), loan…

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