Buy, refinance, or restructure with lending built around your commercial goals

Whether you’re acquiring a tenanted investment, buying premises for your business, or refinancing a commercial asset — we structure lending that works with your income, strategy, and timeline.

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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With over $1.5 billion in lending, and more than 20 years empowering homeowners, developers, and investors to achieve their goals.

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Borrowing Guide

Investors

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What our clients are saying

We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.

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.