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Whether you are buying commercial property for your business, looking to invest in commercial real estate, or wanting to expand your portfolio, Indian Ocean Finance is here to help you find the right commercial loan for your situation.
We are based in Perth and work with clients across Australia, giving us access to commercial loan options from banks and lenders right across the country. That means more choice for you, and a better chance of finding a loan structure that actually suits your needs.
What Is a Commercial Loan?
A commercial loan is a type of finance used to purchase, develop, or refinance commercial property or to fund business-related needs. Unlike a standard home loan, commercial loans tend to involve larger loan amounts, different commercial LVR requirements, and more varied loan structures. They can be secured or unsecured depending on the situation.
A secured commercial loan uses an asset, such as a property or other collateral, to back the lending. An unsecured commercial loan does not require collateral but may come with different terms and commercial interest rates. Indian Ocean Finance can help you understand which option suits your circumstances.
Types of Commercial Finance We Can Help With
There are many different types of commercial finance, and the right one depends on what you are trying to achieve. Here is a look at some of the most common options Indian Ocean Finance can assist with.
A commercial property loan is used to purchase or refinance a commercial property such as an office building, a retail space, or an industrial property. Whether you are looking at an office building loan, warehouse financing, or retail property finance, the structure of the loan can vary significantly depending on the property type and your financial position.
A commercial construction loan is designed for those who are building or developing a commercial property from the ground up. This type of finance often involves a progressive drawdown, meaning funds are released in stages as construction milestones are reached rather than all at once.
Commercial bridging finance is a short-term solution that helps bridge the gap between two financial transactions. For example, if you need pre-settlement finance while waiting for a property sale to complete, a commercial bridging loan can help keep things moving.
Commercial development finance is suited to larger-scale projects such as commercial land acquisition or multi-unit developments. This type of lending is more complex and often involves mezzanine financing as part of the overall funding structure.
For businesses that need ongoing access to funds, a revolving line of credit can offer flexibility. Rather than receiving a lump sum, you draw down what you need and repay it over time, which can work well for businesses with variable cash flow.
Commercial refinance is another area where Indian Ocean Finance regularly assists clients. If your current commercial mortgage is no longer working for you, refinancing could help you access a more suitable interest rate, whether that is a variable interest rate or a fixed interest rate, or better loan terms overall.
What Can Commercial Finance Be Used For?
Commercial finance is not just about buying property. It can also be used for expanding business operations, buying new equipment, upgrading existing equipment, or funding land acquisition for future development. You might be looking to buy an industrial property, invest in strata title commercial premises, or secure a site for a new retail outlet. Whatever your goal, Indian Ocean Finance will take the time to understand your situation before exploring options.
For those interested in commercial property investment, it is worth understanding that lenders assess these applications differently to residential investment loans. Factors such as commercial property valuation, the type of property, and the strength of any lease agreements in place can all influence how a lender views the application. Our team can help you understand what lenders are looking for and how to present your situation clearly. You can also explore our investment loans page for more context on how investment lending works more broadly.
Flexible Options to Suit Your Situation
One of the things clients appreciate about working with Indian Ocean Finance is that we look for flexible loan terms and flexible repayment options that suit your specific circumstances. Commercial lending is not one-size-fits-all. The right loan structure for a small business owner buying their first commercial premises will look very different to the structure needed by a developer undertaking a large commercial development finance project.
We work with a wide panel of lenders, which means we can access commercial loan options that cover a broad range of needs, from business property finance for small operators right through to complex commercial real estate financing for larger projects. If you are also considering equipment finance or business loans alongside your commercial property needs, we can look at how those pieces fit together as well.
Indian Ocean Finance is committed to making commercial finance as clear and straightforward as possible. We take the time to explain your options in plain language, so you can make informed decisions with confidence.
Step 1: Get in Touch
The first step is a simple conversation. Reach out to us by phone, email, or through our website. We will have a quick chat to understand what you are looking for and answer any early questions you might have. There is no obligation and no pressure.
Step 2: Discovery and Fact-Find
We take the time to understand your full financial picture. This includes your income, expenses, savings, debts, and goals. The more we know, the better we can help. This step helps us find the right loan for your situation, not just any loan.
Step 3: Loan Research and Strategy
Using the information you have shared, we search across a wide panel of lenders to find loan options that suit your needs. We compare interest rates, fees, features, and flexibility so you do not have to.
Step 4: Loan Recommendation
We present you with our recommended loan options in plain language. We explain the pros and cons of each option so you can make a confident, informed decision. No jargon, no confusion.
Step 5: Application Preparation
Once you choose a loan, we handle the paperwork. We prepare your application, gather the required documents, and submit everything to the lender on your behalf. We make sure your application is complete and accurate to give it the best chance of approval.
Step 6: Approval and Settlement
We stay in close contact with the lender throughout the assessment process. We keep you updated every step of the way and work to resolve any questions the lender may have quickly. Once approved, we guide you through to settlement so everything goes smoothly.
Step 7: Ongoing Support
Our relationship does not end at settlement. We check in regularly to make sure your loan is still working for you. As your life changes, we are here to help you review your loan, refinance if needed, or plan your next property move.
I couldn’t recommend Shannon highly enough! She helped me through the purchase of my investment property and made the whole finance process straightforward and easy to understand. More recently, Shannon helped me consolidate and restructure my investment lending, securing me a better interest rate and putting me in a much better position financially. Throughout both processes she has been extremely helpful, responsive and proactive, and always takes the time to explain the different options and what makes the most sense for my situation. It’s great having someone you can trust to look beyond just getting the loan approved and continue looking for ways to improve things afterwards Thanks again Shannon, definitely 5 stars from me ⭐️⭐️⭐️⭐️⭐️
Zac van Buren
Shannon is the most attentive and supportive mortgage broker that I’ve ever engaged to help me through my house purchases, as well as being an amazing person, please consider her for your next move 🏡
Abbey B
We’ve used Shannon twice now and couldn’t be happier with the service. Shannon is extremely customer-focused, always taking the time to understand our needs and ensure our best interests come first. The entire mortgage process has been straightforward and stress-free, with excellent communication throughout. Most importantly, Shannon has consistently worked hard to secure us competitive rates and great outcomes. We wouldn’t hesitate to recommend Shannon to anyone looking for a mortgage broker.
Michael Page
Shannon has helped me over the years purchase two homes with one just being a couple of months ago. Shannon is very professional, friendly and answered all questions promptly and made it easy to understand. Buying a home can be exciting but daunting as well but Shannon made it as easy as possible and put my mind at ease.
Caitlyn Bailey
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, such as wanting to access the equity in their property, consolidate debts, change their loan structure, or simply review whether their current loan still suits their needs. Whether refinancing is worth considering depends entirely on your personal circumstances, and it is not a decision that suits everyone. At Indian Ocean Finance, we can sit down with you, take a close look at your current loan, and help you understand what your options are. We will never push you towards a decision that does not make sense for your situation.
Getting started is straightforward. The first step is simply reaching out to us for an initial conversation. There is no obligation involved, and this first chat is just about getting to know you, understanding your situation, and answering any questions you might have. From there, if you would like to move forward, we will guide you through what information and documents we will need to get the ball rolling. We work at a pace that suits you and will never pressure you into making decisions before you feel ready. You can contact us through our website, give us a call, or send us an email. We look forward to hearing from you and helping you take the next step.
The timeline can vary depending on a number of factors, including the lender, the complexity of your application, and how quickly documentation can be gathered and verified. In general, once a formal application is submitted, lenders typically take anywhere from a few days to a few weeks to assess and approve a loan. At Indian Ocean Finance, we work to keep things moving as efficiently as possible and will keep you updated throughout the process so you always know where things stand. We also do a lot of the preparation work upfront to help avoid unnecessary delays. We know that waiting can be stressful, and staying in communication with you is something we take seriously.
A mortgage broker acts as the go-between for you and a range of lenders, including banks, credit unions, and other financial institutions. Rather than you having to approach each lender on your own, a mortgage broker does the legwork for you. At Indian Ocean Finance, we take the time to understand your situation, your goals, and what you are hoping to achieve. We then research options across our panel of lenders and present you with choices that suit your circumstances. We handle the paperwork, liaise with lenders on your behalf, and keep you informed every step of the way. Our job is to make the whole process feel manageable and to make sure you feel supported from start to finish.
Indian Ocean Finance can assist with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also work with clients who have more complex financial situations and may have found it harder to get assistance elsewhere. Whether you are purchasing your first home, adding to a property portfolio, or looking to review your current loan arrangements, we are here to have a conversation and explore what options might be available to you. Every situation is different, and we take a personalised approach with every client we work with.
When you go directly to a bank, you only see what that one lender has to offer. At Indian Ocean Finance, we work with a wide range of lenders, which means we can present you with a variety of options rather than just one. We are not tied to any single institution, so our focus is entirely on finding something that works for your individual situation. We also take the time to explain your options in plain language so you can make an informed decision with confidence. Going through a mortgage broker also means you have someone in your corner who understands the process and can advocate for you throughout the application.
Yes, we can. Being self-employed can make the home loan process feel more complicated, and some lenders do have stricter requirements for self-employed borrowers. However, there are lenders on our panel who specialise in working with people who run their own businesses or work for themselves. The key is having the right documentation and presenting your financial situation clearly. At Indian Ocean Finance, we have experience working with self-employed clients and understand the nuances involved. We will work with you to understand your income structure, help you gather the right paperwork, and identify lenders who are well-suited to your circumstances. You should not feel like homeownership is out of reach just because you work for yourself.
Not at all. While Indian Ocean Finance is proudly based in Perth, we work with clients right across Australia. Thanks to technology and the ability to communicate remotely, we are able to assist people no matter where they are located. Whether you are in regional Western Australia, on the east coast, or somewhere in between, we can have conversations over the phone or video call, share documents electronically, and guide you through the process without you needing to be in the same city as us. We believe everyone deserves access to quality mortgage broking support, regardless of where they call home.
Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. At Indian Ocean Finance, we work with first home buyers regularly and understand the questions and concerns that come with it. We take the time to walk you through the process from the very beginning, explaining things like how much you may need for a deposit, what government grants or schemes might be available to you, and what the overall home loan process looks like. We are here to make sure you feel informed and supported, not confused or rushed.
In most cases, our service comes at no direct cost to you as the borrower. Mortgage brokers are typically paid a commission by the lender once your loan settles. We are committed to being upfront and transparent about how we are paid, and we will always explain this to you clearly before we proceed. There are some situations where a fee may apply, and if that is the case, we will let you know well in advance so there are no surprises. Our goal is to make sure you feel informed and comfortable with the entire process, including how our service works from a cost perspective.
If you are thinking about buying commercial property, refinancing an existing commercial mortgage, or exploring commercial development finance options, our team at Indian Ocean Finance would love to have a chat. Book an appointment today and let us help you find the right path forward.
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