COMERCIAL PROPERTY FINANCE
Commercial property. Capital that understands it.
Commercial Property Finance at Altura is structured for acquisitions, refinances, and investment facilities where the asset class, ownership structure, or lending complexity sits outside what a standard bank will hold without the timelines or policy constraints that come with it.
WHAT IT IS AND WHO IT'S FOR
Commercial assets require commercial thinking.
Banks assess commercial property lending differently from residential: higher risk weightings, LVRs, more conservative serviceability, and longer timelines. For standard acquisitions with straightforward borrowers, that works. For anything more complex, it doesn't.
Altura's Commercial Property Finance is structured for investors, developers, and business owners where the deal has genuine commercial merit but falls outside standard bank appetite because of the asset class, ownership structure, borrower income, or transaction complexity.
Office, retail, industrial, strata-titled commercial, mixed-use, we assess the asset on its own terms and structure a facility that reflects the deal.
Who this is for
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Commercial property investors acquiring or refinancing income-producing assets
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Business owners purchasing premises for owner-occupation
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Developers with commercial components in mixed-use projects
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Investors seeking equity release or refinance on existing commercial portfolios
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Borrowers whose commercial lending has reached bank capacity
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Investors acquiring transitional or value-add assets banks won't fund mid-reposition
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Brokers placing commercial scenarios outside standard bank credit appetite
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Sponsors who do not like bank annual reviews.
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Up to 30 year terms.
WHEN TO USE THIS STRUCTURE
This structure may be right for your scenario if:
The asset type or location is outside standard bank appetite.
The bank's commercial lending policy doesn't extend to this asset class, location, or tenancy structure. The asset is income-producing and the deal is sound but the bank's risk settings won't accommodate it.
The borrower's serviceability doesn't present cleanly under standard criteria.
The borrower is a business owner, self-employed investor, or operates through a complex entity structure. Income is real and the asset position is strong but standard commercial serviceability models don't reflect the full picture.
The transaction involves a mixed-use or non-standard asset.
The property has residential and commercial components, or sits in an asset class where standard bank valuations are conservative and lending appetite is limited. Altura assesses the asset's actual income and realisable value.
Existing bank relationships have reached capacity.
The borrower's commercial lending exposure with their existing banks is at limit, or the bank has changed its appetite for the sector. The deal makes sense but the relationship has simply run its course.
HOW WE STRUCTURE
Key lending parameters
Each deal is assessed on its own structure. The parameters below provide a working framework, actual terms are determined by the scenario, security type, and borrower profile. Submit a scenario to get a direct assessment.
MAX LVR
Up to 75% (case by case - assessed against asset quality, tenancy, and borrower position)
BORROWER TYPE
Individual · Company · Trust · SMSF (with conditions)
LOAN PURPOSE
Acquisition · Refinance · Equity release · Business purposes secured by commercial property
INCOME VERIFICATION
Full doc · Alt doc
· Lease Doc
ACCEPTABLE SECURITY
Office · Retail · Industrial · Strata-titled commercial · Mixed-use · Owner-occupied commercial premises
LOAN TERM
12 months – 30 years
DEAL SHOWCASE
How this structure has been applied
The deals below are real transactions structured and settled by Altura. Details are anonymised.
COMMERCIAL PROPERTY FINANCE · PIERRE, VIC
$4.5M
Commercial property acquisition requiring lender understanding of the asset, operating business, and broader investment strategy. 75% LVR
Fully tailored funding solution built around the asset and business context rather than a standard commercial product.
Approved and settled with a solution the borrower described as rare in the market for its detail and care.
COMMERCIAL PROPERTY FINANCE · SANDRA, WA
$2.75M
Complex commercial transaction involving multiple stakeholders requiring strong coordination throughout the process.
Altura managed the full transaction process, keeping all parties aligned from first discussion through to settlement.
Settled successfully. Borrower noted the outcome exceeded expectations.
KEY CONSIDERATIONS
What brokers and borrowers ask most
How does Altura assess commercial property differently from a bank?
Banks apply standard risk weightings and serviceability models to commercial assets — models built for volume, not complexity. Altura assesses each transaction on its own terms: the asset's income and realisable value, the borrower's full financial position, and the exit strategy. We apply commercial judgement, not a credit matrix.
What LVR can Altura lend to on commercial property?
LVR is assessed case by case and depends on the asset quality, tenancy structure, location, and borrower position. As a guide, we can work up to 75% but the structure of the deal is more important than a headline LVR. Submit a scenario and we'll give you a direct position.
Can Altura lend to self-employed borrowers or complex entity structures on commercial deals? Yes. Many of our commercial borrowers operate through trusts, companies, or self-managed super funds, and income often doesn't present cleanly under standard bank criteria. We assess alt doc and asset-backed commercial facilities where the underlying position supports the deal.
How does Altura handle mixed-use assets?
Mixed-use assets, properties with both residential and commercial components, are assessed on the full income profile and the overall security value. Where a bank applies a blanket policy to the commercial component, Altura looks at what the asset is actually worth and what it produces.
What is the typical timeframe for a commercial property assessment?
It depends on the complexity of the scenario and the quality of the documentation provided. Where a deal is well-prepared and within our policy, we move quickly. Submit a scenario through the Scenario Desk and we'll respond with an indicative position within 24 hours.