How we help make your commercial property deal stack up
When you're buying or refinancing commercial property, the right structure is everything. We help you line up funding that reflects your goals, makes sense on paper, and actually gets approved.
Funding for investors and owner-occupiers
Buying a tenanted building or securing premises for your own business? We match the right lender and loan to your income profile — whether it's rental yield, business revenue, or a mix of both.
Smart lending structures through companies and trusts
Need to split your operating business from your property asset? We’ll help you implement a clear structure in line with your accountant’s advice — and find lenders who support it.
Clear strategy on valuation, cashflow, and servicing
We guide you through the numbers that matter — from how yield impacts value, to what lenders want to see in your lease and financials. No fluff, just practical advice to position your deal for success.
Refinance, restructure, or unlock equity
Time to upgrade your loan? We’ll help you improve terms, fund renovations, or release capital to fuel your next opportunity — without starting from scratch.
FAQs about commercial property loans
Can I buy a commercial building with my business as the tenant?
Yes — that’s called owner-occupied commercial lending. In this case, the lender will assess both you (as borrower) and the strength of the business. We can help set up an appropriate structure — often with separate “operating company” and “property company” entities for asset protection.
Do I need a lease in place to get investment property funding?
Usually yes, but not always. A strong tenant and lease gives banks confidence in your property’s income. However, we also work with non-bank lenders who can fund vacant or transitional properties. We’ll assess your deal and match you with lenders who suit the situation.
Can I refinance to unlock capital from my commercial property?
Yes. If your property has grown in value, or your LVR is low, we can help release equity for other investments, business use, or cashflow. We’ll guide you through the valuation, servicing, and documentation process.
Looking to buy or refinance commercial property?
Talk to a Luminate adviser about your next move. We’ll help you compare lenders, structure your application, and secure funding that supports your long-term strategy.
We work with trusted bank and non-bank lenders
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Testimonials
Mortgage Broking & Finance Clients
From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!
Sandeep Puri
GratPak Ltd
We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!
Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.
Marita Huynh
I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.
If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!
Garry Singh
Ray White NZ
Investors
Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.
SR
We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.
With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.
Michael and Gwyn Gray
More business & property lending solutions
Working capital & business loans
Free up cash to invest in stock, expand your team, or bridge accounts receivable. We structure lending that works with your business model and cash cycle.
Development & construction finance
From duplexes to multi-unit projects — we arrange funding for site purchase, civil works, vertical construction, and more. Progress drawdowns, turnkey loans, and bank/non-bank options.
Project completion loans
Running out of runway? We help fund projects nearing the finish line — covering cost overruns, delays in CCC, or cashflow gaps before sale or refinance.
