Invest in Commercial
Real Estate.
Commercial lending is complex. We negotiate directly with bank commercial managers and private lenders to secure favorable LVRs and interest rates for your portfolio.
What we do for
commercial clients.
All Asset Classes
Finance for retail shops, industrial warehouses, office suites, and mixed-use blocks.
Owner-Occupied
Favorable terms for businesses looking to buy their own operating premises.
Investment Yields
Structuring debt to maximize your cash-on-cash return and portfolio yield.
Risk Mitigation
We help present your lease profile and tenant covenants strongly to lenders.
Commercial Network
Direct access to senior commercial bank managers and non-bank institutions.
Complex Entities
Expertise in lending to Trusts, holding companies, and complex structures.
How it works
step by step.
Free Discovery Call
We discuss your income, KiwiSaver balance, deposit savings, and home goals. Completely free, no obligation.
Lender Assessment
We run full eligibility checks across 20+ lenders and present you with the top 3 options including rates and structure.
Pre-Approval
We submit your application and coordinate with the lender. Most first home buyers receive pre-approval within 24 hours.
Find Your Home
Shop with confidence knowing exactly how much you can spend. We remain on call for questions throughout your property search.
Settlement & Keys
We coordinate with your solicitor to ensure settlement happens smoothly. Then you pick up the keys to your first home!
Navigating Commercial Property Lending and Investment
The commercial property market in New Zealand—encompassing retail, industrial, office, and specialized spaces—operates under fundamentally different financial principles than residential real estate. Commercial lending is inherently more complex, characterized by lower Loan-to-Value Ratios (LVRs), shorter loan terms, and a rigorous focus on the asset's income-generating potential (the 'yield') rather than purely the borrower's personal income. Whether you are an investor seeking a high-yielding warehouse or a business owner looking to purchase your own premises, securing optimal commercial finance requires sophisticated structuring.
Owner-Occupier vs. Investment Commercial Mortgages
Commercial lenders differentiate strongly between owner-occupied properties and pure investments. If your business intends to occupy the premises, lenders often view the transaction favorably, allowing for higher LVRs (sometimes up to 65% or 70%) because the business's operational cash flow directly services the debt. Conversely, investment properties rely on the strength of the lease agreement and the quality of the tenant. Lenders will heavily scrutinize the Weighted Average Lease Expiry (WALE), the tenant's corporate covenant, and the property's alternative use value. We specialize in building comprehensive credit submissions that highlight the strength of your tenancy schedule and mitigate perceived risks.
Interest Cover Ratios and Capitalization Rates
When evaluating a commercial loan application, assessors rely heavily on the Interest Cover Ratio (ICR)—a metric that ensures the property's net rental income comfortably exceeds the proposed interest expenses. Additionally, the property's value is often determined by the Capitalization Rate (Cap Rate) applied to its income stream, rather than direct market comparisons. Understanding these commercial valuation metrics is crucial for negotiating favorable loan terms. We act as your financial advocate, engaging with specialized commercial banking managers to secure extended interest-only periods, competitive margins, and flexible covenant structures that support your long-term commercial objectives.
Common Questions
Ready to invest in
commercial spaces?
Book a free consultation with a Finch mortgage adviser today. No obligation, no cost, just honest advice.