Security
Loans against commercial property
Commercial property is some of the strongest security a company or trust can borrow against. Lienhouse arranges capital secured against office, retail, industrial and other business premises — as a senior facility when you are buying or refinancing, or behind your existing mortgage to release equity — assessed on the security and your exit, not full financials.
Indicative only — subject to assessment. Placeholder figures.
How lending against commercial property works
Commercial property is strong security, so it can do real work for the business that owns it. Lienhouse arranges capital secured against an office, shop, warehouse or other business premises — either as a senior first mortgage when you are buying or refinancing, or behind your existing mortgage to release equity through a second mortgage or a faster caveat loan. Where the deal calls for a senior commercial position outright, a private commercial mortgage can take first ranking.
The file is judged on the security and a clear exit, not on years of lodged financials — which is what lets it settle in days where a bank runs weeks. Where a mortgage already sits on the title, the combined loan-to-value ratio across both facilities is the real constraint, not the headline figure on either one on its own.
What the property type changes
Not all commercial property is assessed the same way, and the sub-type does most of the work in setting the advance. A long lease to a sound tenant lifts both the advance and the terms; a short lease tail or a vacant building pulls them back. Industrial and warehouse stock is currently the easiest to fund — vacancy is tight and the space re-lets quickly. Well-located office and retail are funded steadily, though CBD office is read more cautiously while vacancy stays elevated. Specialised, single-use premises — the kind that are hard to re-let if the tenant leaves — sit at the conservative end. A vacant or part-let asset can still be funded, but against its stabilised value and with a credible plan to lease or sell. Representative ranges sit on the rates and fees page; every deal is subject to assessment.
What we’ll need to start
Four things: the property — type, location, and any lease or tenancy — what you owe against it now, the amount and purpose, and the exit, whether that is a refinance, a sale, or income that clears the facility. From there, indicative terms come back in about 24–48 hours and a straightforward deal can settle in days. The lending is business-purpose, for companies and trusts. We will also say so plainly when it is not a fit: a property with no real equity, or no realistic exit, is not one we can help with. When you are ready, tell us what you need.
- Companies or trusts that own or are buying commercial property and need capital quickly
- Owner-occupiers buying the premises their business already runs from
- Borrowers releasing equity from a commercial property behind an existing mortgage
- Time-sensitive deals a bank cannot settle inside the window
- Owner-occupier consumer borrowers — business-purpose lending only
- Anyone without real equity in the property or a realistic exit
- A vacant, single-use asset with no leasing or sale path
How it compares
FAQ
How much can I borrow against commercial property?
Representative advances run up to about 75% of value, asset-dependent — higher on prime industrial, lower on specialised single-use stock. Where a mortgage already sits on the title, it is the combined position that matters, subject to assessment.
Can I raise capital against a commercial property I already own?
Yes. You can release equity behind your existing mortgage through a second mortgage or a faster caveat loan, or refinance into a senior facility — without disturbing a good first-rate loan if you would rather sit behind it.
Does the property need to be leased?
A sound lease lifts both the advance and the terms, but a vacant or part-let building can still be funded — against its stabilised value and with a credible plan to lease or sell as the exit.
What types of commercial property qualify?
Office, retail, industrial and warehouse, and mixed-use premises are all in scope. Specialised, single-use assets that are harder to re-let are assessed more conservatively.
How fast can it settle?
Indicative terms usually come back within 24–48 hours. A second mortgage or caveat behind an existing facility can settle in days; a senior commercial position takes a little longer.
Raise capital against your commercial property.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
You deal with us start to finish.
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