Commercial & Business Property Loans
Finance for offices, retail, warehouses, and business premises — structured the right way.
Why This Matters
Financing a commercial or business property is very different from getting a standard home loan. Banks look at lease income, business financials, debt servicing ratios, and the type of property you’re buying — and they often ask for a much larger deposit. Whether you’re purchasing an office, retail space, warehouse, workshop, or relocating your business, you need a lending strategy that matches your commercial goals, not residential rules.
At Best Mortgages, we help business owners, investors, and commercial buyers across Tauranga and the Bay of Plenty secure the right property finance — even when banks are cautious. We compare offers across banks and non-bank lenders, explain commercial lending criteria in simple terms, and structure your application so it’s strong, clear, and compelling. From understanding lease agreements to navigating valuations and settlement conditions, we handle the tough parts so you can stay focused on running your business. And as a mortgage broker Tauranga companies rely on, we know which lenders support local business growth.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Case Study: Tauranga Retail Upgrade
Ryan owned a small marine retail shop in Tauranga South and wanted to buy a larger premises instead of renting. His bank asked for a big deposit and wanted two years of strong trading figures, which he didn’t have yet. He came to us worried the deal would fall over.
We reviewed his business financials, normalised seasonal income, prepared a strong servicing file using lease projections, and matched him with a commercial-friendly lender who accepted a lower deposit and supported his growth plan. His purchase was approved within nine days, and his business is now operating from a larger, higher-visibility location with significantly lower long-term overheads.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We start with a free call to understand your goals and borrowing ability.
We compare lenders, structure the right loan, and explain everything clearly.
We handle the paperwork, deal with the banks, and lock in your pre-approval.
We guide you through to settlement — and stay in touch long after.
Your Questions, Answered
How much deposit do I need for a commercial property?
Most lenders want around 30–40% deposit for commercial property. Some may require less if the property has a strong lease, good location, or strong business financials.
Do I need business financials to get approved?
Yes — lenders usually want 1–2 years of financials, but some commercial and non-bank lenders accept projections or alternate documents depending on your scenario.
Are commercial loan rates higher than home loan rates?
Usually yes. Commercial lending carries more risk, so rates can be slightly higher. We compare multiple lenders to find the most competitive structure.
Can I use my home’s equity to buy a commercial property?
Often yes. Many buyers use residential equity as part of their deposit. We’ll structure this safely to avoid unnecessary cross-securitisation.
Do you help with owner-occupied and investment commercial property?
Yes — whether you’re buying a premises for your own business or a rental commercial property, we match you with lenders that support your goals.
Ready to Finance Your Commercial Property?
From offices to warehouses, we’ll structure your lending the right way from the start.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
