Finance for commercial property is significantly different to residential property. A big difference is that banks typically only lend up to 75% of the commercial property’s value. The terms of lending can also vary drastically depending on whether you are purchasing to occupy the space yourself or are investing and plan to lease out the space. A lender may consider the terms of any lease currently in place when offering finance.

We can assist you with your goals to purchase commercial real estate, including the following types of properties:

• Offices

• Factories

• Warehouses

• Shops/Retail Spaces

Whether you are looking to buy your first home, upgrade your current home, expand your investment portfolio or get a better interest rate on your existing loan, TF Partners can assist you.

We are accredited with all of the big banks and smaller banks, so access to explore all viable options for you.

With our extensive knowledge in tax and advisory, we take a holistic approach to our clients lending requirements to ensure we provide them with the most appropriate finance solutions. We take the time to understand our clients goals, for today and for the future. We have experience in a wide range of clientele, from salary and wage earners, business owners, complex investment structures to Self-Managed Superannuation Funds.

When looking at investments, we always look to increase tax deductible debt and reduce non-deductible debt.

As well as ensuring we get you a favourable interest rate, we make sure you consider and understand different loan features such as:

• Principal & Interest loans vs Interest Only

• Offset accounts vs Redraw facilities

• Fixing the interest rate to lock in repayments

• Cashflow and paying any shortfall expenses

• Using equity to assist with financing or cash withdrawals

Consolidating loan facilities or debts, such as credit cards, personal loans or even business debt, can drastically decrease your overall interest rate along which can result in a reduction in your overall repayments.

We draw on our tax knowledge when structuring loan consolidations to ensure you maintain tax deductibility of interest expenses for investments.