Buy your premises. Expand. Build.

Commercial loans

Commercial lending runs on different rules to residential. Lower loan to value ratios, shorter terms, tenant and lease quality driving the valuation, and far more variation between lenders in what they will consider. The bank that holds your business accounts is not automatically the bank that should hold your commercial loan.

Whether you are buying the premises you currently lease, funding an expansion, or building something purpose made, we work out what the numbers need to look like and take it to the lenders most likely to say yes on sensible terms. Brett handles commercial specifically, so you are talking to someone who does this rather than someone who does it occasionally. Fees on commercial lending vary by deal and we will set ours out clearly before you commit to anything.

Our office is at 3/24 Dublin Street in Christchurch and we work with clients right across New Zealand. Come in and sit down with us, or handle it by phone and email from wherever your business is based. The advice and the process are exactly the same.

Journey Mortgages holds a 5.0 rating from 66 Google reviews and Alex Toohey is a Top 25 New Zealand Mortgage Adviser. If you are weighing up buying versus continuing to lease, a 15 minute conversation will give you the borrowing side of that decision.