Commercial Lending NZ

Are you looking to grow your investment portfolio through commercial property? Our commercial lending services in NZ are designed to match your ambitions with the right financial structure. At SK Financial Group, we connect you with competitive commercial bank lending rates and guide you through every step of the lending process.

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What Is Commercial Lending?

Commercial lending refers to loans secured against commercial properties, such as office buildings, warehouses, or retail spaces. In New Zealand, these loans typically come with different structures, lending criteria, and rates compared to residential loans. It’s a tailored solution for business owners and investors looking to finance or refinance income-generating properties.

Why Consider Commercial Property Lending in NZ?

Commercial property lending in NZ offers higher returns, long-term lease security, and lower overheads for investors. With tenants typically covering costs like rates and insurance, your net yield can be stronger than with residential properties. It's a smart way to diversify your property portfolio while leveraging attractive commercial lending rates NZ-wide.

Types of Commercial Loans: We Arrange

At SK Financial Group, we arrange a variety of commercial lending solutions tailored to your goals:

Commercial Property Lending – For offices, retail, industrial, or mixed-use properties
Commercial Development Loans – Ideal for new builds, renovations, or subdivisions
Business Expansion Loans – Fund working capital, equipment, or business growth

Investment Property Loans – Secure financing for tenanted commercial assets

Commercial Lending Criteria in NZ

Lenders typically consider the following when assessing commercial property lending:

The type and location of the commercial property
Lease agreements and tenant history
Your financial position, including business cash flow
Loan-to-Value Ratio (LVR), often max 65 to 70 per cent
Alignment with current commercial bank lending rates and risk

How Much Can You Borrow and At What Rates?

In New Zealand, most commercial property lending covers up to 65 to 70 per cent of the property's value. Borrowing capacity depends on your equity, business income, and credit profile. Commercial property lending rates in NZ typically sit 1.5 to 3 per cent above standard mortgage rates.

Why Work With a Commercial Lending Adviser Like SKFG?

Navigating commercial property lending can be complex. At SK Financial Group, we simplify the process, compare multiple lenders, and secure terms that align with your investment goals. Our expert advisers handle the paperwork, timelines, and negotiations for you.

Commercial Lending Process – What To Expect

Initial Consultation
We understand your property goals and commercial lending needs.
Financial Assessment
We evaluate your business strength, credit, and commercial property lending criteria.
Lender Match
We compare multiple commercial lending NZ options to find the right fit.
Application Submission
Our team prepares and submits your application with complete documentation.
Approval & Settlement
We guide you through the commercial lending process steps to ensure smooth approval and settlement.

Invest in Commercial Success Today

Start your journey with trusted commercial lending specialists by your side.

Frequently Asked Questions

What is commercial property lending?

Commercial property lending refers to loans secured against properties used for business purposes, such as offices, warehouses, or retail spaces. These loans support business investment and expansion.

What are the current commercial lending rates in NZ?

Commercial lending rates in NZ vary based on loan type, term, and risk profile but are generally 2% to 3% higher than standard home loans. Always check with lenders for current rates.

How is commercial lending different from residential?

Commercial lending involves stricter criteria, shorter loan terms, and higher interest rates. The property must be used for business purposes, and lending is assessed on income potential and risk.

What documents are required for a commercial loan?

You’ll typically need financial statements, proof of income, property sale and lease agreements, and business plans. Some lenders may request valuations and additional supporting documents.