Commercial Property Loans Wellington

Whether you’re looking for an owner occupied premise or a higher-yield investment, I’ve got the experience to find the best financial solution for you.

Get in touch

Owner occupied commercial property.

Are you looking to move from a leased premise to your own? Perhaps you’ve outgrown your current property and you’re ready to increase your square meterage. Or maybe it’s the right time to build your own purpose-built premise.

Whatever your situation – Lendal Mortgages has the technical expertise to work alongside you and present the information to your lender the right way.

The loan assessment process is different.

And I know the difference between residential and commercial lending, well. I’ll be right by your side and talk you through what you’ll need to collate, before I submit your application.

Latest year-end financials
Year-to-date trading management reports
Debtors / creditors
Confirmation of tax / GST obligations
Valuations – usually from panel valuers

Commercial property investments.

Are you looking for a higher-yield investment than a bank term deposit or residential property investment?

Commercial property investment is the purchase of a commercial premise which is rented to a tenant with a formal lease agreement. The terms of the lease often vary, with each one uniquely different. The lease income usually services the loan – with the loan being secured against the commercial property.

The lease agreement goes through a lot of scrutiny with lenders – you’ll get questions like who is the tenant? And what are the terms, rights of renewal, and gross and net income?

How can I help you?

Lendal Mortgages can source loans for specialist properties like motels / hotels / accommodation and bare commercial land. Like owner occupied commercial properties, the loan assessment process is different. But it still involves unique lending criteria compared to standard commercial owner occupied and rental properties.

I’m here to offer advice about what the bank will be looking for, and help you collate the right information before presenting the loan application.

Lease agreement in detail
New Building Standard (NBS) of the building
Valuation – usually from the bank panel valuer.

Working with a range of commercial lending specialists and major banks.

Funding commercial property is a specialist service. You deserve the confidence that your mortgage advisor is experienced in this field. I’m here to help you understand the differences between lenders and loan types and tailor a solution to suit your needs.

The process

1. Get in touch

Reach out for a quick chat about what you’re looking to achieve, and we’ll point you in the right direction from the start.

2. Share your details

We’ll gather the information we need to understand your situation fully and prepare a strong, well-supported application.

3. We work with the lenders

Our team handles the process with the banks and lenders—negotiating, presenting your application, and making sure everything stays on track.

4. Finalise and settle

If lenders need anything extra, we’ll guide you through it and keep you updated until your approval is confirmed and your finance is ready to go.

Want to know how I can support you with your new build & construction lending?

Get in touch