Looking for Commercial Finance in Tauranga?
Securing finance for a commercial project can be complex — whether it’s a new build, a land-bank purchase, an owner-occupied premise, or a development. At Best Mortgages, we make it straightforward by comparing options from major banks and specialist commercial lenders across Tauranga and the Bay of Plenty.
How we help
- Smart lender match: banks and reputable non-banks that understand your project.
- Cost-efficient structures: draw-downs, interest-only periods, and terms that protect cash-flow.
- Sharp negotiation: repayment options and pricing that can save real money over the life of the loan.
- End-to-end support: we coordinate valuations, QS reports, pre-lets/pre-sales evidence, and paperwork.
Local experience, real outcomes
Recent example: a Papamoa client was upgrading an ageing workshop to a modern warehouse. Their bank declined due to limited pre-sales. We re-worked the cash-flow, presented the deal to a specialist lender, and secured flexible construction draw-downs. The site is now fully leased — and cash-flow positive.
Ready to talk commercial property finance? As your independent mortgage broker Tauranga, we’ll analyse your proposal and open funding options you might not access alone.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
What types of commercial finance can Best Mortgages arrange?
We help Tauranga businesses and investors secure finance for construction, development, land banking, and owner-occupied or investment commercial property. As independent mortgage brokers, we compare banks and specialist lenders to match your project’s structure, size, and cash-flow needs.
How much deposit do I need for commercial property?
Most lenders expect 30–40 % deposit for commercial deals, but it depends on the project type and risk profile. We’ll assess your equity, income, and property value to find lenders with flexible loan-to-value ratios that fit your goals across the Bay of Plenty.
Can I use existing property equity to fund my next project?
Yes. Many Tauranga clients refinance or release equity from their home or another investment to raise commercial capital. We’ll calculate your borrowing power and structure the lending so you keep good cash-flow and minimise cross-collateral risk.
What’s the difference between bank and non-bank commercial loans?
Banks usually offer sharper rates but stricter conditions. Non-bank and specialist lenders provide more flexibility with shorter terms or staged draw-downs. We compare both options and negotiate terms that align with your project timeline and profit objectives.
Do you help with commercial finance outside Tauranga?
Absolutely. While we’re Tauranga-based, we work with business owners across the Bay of Plenty and nationwide. Whether you’re developing in Mount Maunganui or purchasing in Auckland, we’ll handle the finance structure and lender negotiations for you.
