Commercial Loans
CastleKey Mortgages arranges commercial property loans on the Gold Coast with clear structures and local insight.
Whether you’re buying a strata office in Southport, a Broadbeach retail space or a Surfers Paradise hospitality asset, CastleKey Mortgages helps you line up commercial property finance that suits your asset, lease profile and cash flow.
We focus on lender appetite for different sectors (office, retail, industrial and medical), typical LVR ranges, and documentation styles such as lease‑doc, then structure your application around what credit teams want to see.
Key Features:
- Clear LVR and rate guidance for local asset types
We outline realistic LVR bands (typically ~60–80%) and rate drivers (tenant strength, lease term, property type), aligned to current market commentary and lender guides. - Multi‑lender comparisons, including lease‑doc options
We compare major banks and non‑bank options and, where suitable, lease‑doc assessment that leans on the rent from the property to service the debt—handy for simple, income‑backed assets. - Documentation pack built for commercial credit
We prepare the file to match lender expectations (valuation, signed lease, tax portal status, BAS/ bank statements or accountant letters for alt‑doc), reducing back‑and‑forth and shortening approval timelines.
Considerations:
- Deposit size & LVR reality
Commercial lending doesn’t use LMI; most deals land at 60–70% LVR, stretching to ~80% for stronger assets and borrowers. Plan cash contributions and acquisition costs accordingly. - Lease profile drives pricing
Rate and term are influenced by the tenant’s covenant, remaining lease term and rent cover. Short leases or vacancy risks can mean lower LVRs, higher margins or shorter interest‑only periods. - Assessment style matters (full‑doc vs alt‑doc vs lease‑doc)
Some lenders can assess on lease income with streamlined documentation; others require full financials. Matching the assessment method to your scenario improves speed and terms. - Sector & location differences
Office, retail and industrial carry different risk settings. Gold Coast locations show distinct trends—e.g., industrial/logistics corridors vs. tourism‑heavy precincts—which affect lender appetite, valuation and yield assumptions.
Role of a Broker
As a broker, we provide guidance and support tailored to first home buyers, helping to demystify the home-buying process. Our services include:
- Market Knowledge: We offer insights into the latest loan products from a range of lenders, ensuring you’re aware of all available options.
- Personalised Service: By understanding your specific needs and financial capacity, we can identify loan solutions that align with your goals.
- Application Process: We assist in preparing and lodging your loan application, ensuring all necessary documentation is in order and compliance with lender requirements is met.
- Communication: We act as the point of contact between you and lenders, managing negotiations and correspondence to streamline the approval process.
- Ongoing Support: From pre-approval to settlement, we provide continuous assistance, answering questions and offering guidance throughout your finance journey.
If you’re ready to take the next step, please reach out to our team today.
