COMMERCIAL PROPERTIES & INVESTMENTS

Funding for your next commercial property or development project

Commercial properties have great earning potential and present a great long-term investment. That means a lot of funding, which can be such a complicated process. We make it so much easier for you to fund your next big investment. 

Commercial Property & Investments

How can we help?

If you need funding to purchase commercial or development property, we can help. Call 0800 BROKER today.

If you need funding to purchase commercial or development property, we can help.
Call 0800 BROKER today.

5/5

“Four years ago I started with Dan, needing finance for a truck. Long story short, I now have EVERYTHING under the sun using Quantum. I can't recommend them highly enough.”

Bridget Walsh

Quantum Finance

Why Quantum Finance?

We are you

And that's why we understand you. We've been where you are now. All of us. Our team and their families have walked our talk. We're home buyers. We're mortgage holders. We're investers. And that's why you are our main priority. Not the banks or the insurers. You.

We hear you

We get it! Money can be scary. But here's the simple truth - you don't know what you don't know. We'll take the time to share our expert knowledge simply, so you know what's going on every step of the way. We'll get you the best deals to match your goals and dreams.

We're finishers

Trust us. We keep our word. And we do that by seeing your financial plan through to your ultimate benefit. We'll organise what needs to be done so you'll get what you need when you need it and we'll stay a phonecall or email away, always.

Looking at a lucrative property investment?

Seperate banks

Whether you’re considering a single property or looking to build up a vast portfolio over the years, you need to approach things carefully and thoughtfully. One strategy that few people consider is to utilise separate banks to finance investments in properties.
 
Yes, using a single bank for multiple investments makes sense. It builds up trust. But in doing so you hand over complete control to one bank. Should things go south, making any major changes can be a nightmare.
 
The beauty of separate banks is that you’re left with a wider range of interest rates to choose from, and a lot more flexibility and control over your own portfolio. Cool right? Give Quantum Finance a call, and we’ll break it down for you and show you how you can leverage this to your advantage.

Looking at a lucrative property investment?

Seperate banks

Whether you’re considering a single property or looking to build up a vast portfolio over the years, you need to approach things carefully and thoughtfully. One strategy that few people consider is to utilise separate banks to finance investments in properties.
 
Yes, using a single bank for multiple investments makes sense. It builds up trust. But in doing so you hand over complete control to one bank. Should things go south, making any major changes can be a nightmare.
 
The beauty of separate banks is that you’re left with a wider range of interest rates to choose from, and a lot more flexibility and control over your own portfolio. Cool right? Give Quantum Finance a call, and we’ll break it down for you and show you how you can leverage this to your advantage.

Commercial Property and Development Finance 101

Looking for a bigger investment? We can help you get started with the proper financing options and guidance towards commercial property and development investments. You need to start, however, by understanding the basics.

For commercial property purchases, banks will normally lend up to 65% of either the value of the property or the purchase price. There’s a lot going on in the background, though. Taken into consideration is the Net Rental Income (NRI) as well as:

  • a. Your ability to meet the repayments,
  • b. The suitability of lease in the market and what you likely can lease the property for.


The strength of your business is very important. Expert Quantum Advisers are key to helping you work through these key details.

Repayment terms on commercial loans are shorter than residential loans and run between 10 to 15 years,

Commercial property investments are potentially very lucrative for smart owner-occupiers. There are several risks that you need to be aware of. Market shifts can cause high payments to build up and even higher expenditures than what you would expect in residential investments.

It’s all about having a great strategy that accounts for any serious risk. That kind of risk is called “Mitigated Risk” here at Quantum Finance, we can help you understand how to lessen the blows by coming up with smart, sound approaches specific to your situation.

Development financing requires far more specialised lenders and strategies. Our options are designed to suit the specific requirements of the transaction, including banks, private lenders, specialty finance, equity share, and much more.

Basically, we do all we can to make sure you get that approval based on your goals as well as where you currently stand financially.

Talk to us today about commercial property and development finance

Commercial Property and Development Finance 101

Looking for a bigger investment? We can help you get started with the proper financing options and guidance towards commercial property and development investments. You need to start, however, by understanding the basics.

For commercial property purchases, banks will normally lend up to 65% of either the value of the property or the purchase price. There’s a lot going on in the background, though. Taken into consideration is the Net Rental Income (NRI) as well as:

  • a. Your ability to meet the repayments,
  • b. The suitability of lease in the market and what you likely can lease the property for.


The strength of your business is very important. Expert Quantum Advisers are key to helping you work through these key details.

Repayment terms on commercial loans are shorter than residential loans and run between 10 to 15 years,

Commercial property investments are potentially very lucrative for smart owner-occupiers. There are several risks that you need to be aware of. Market shifts can cause high payments to build up and even higher expenditures than what you would expect in residential investments.

It’s all about having a great strategy that accounts for any serious risk. That kind of risk is called “Mitigated Risk” here at Quantum Finance, we can help you understand how to lessen the blows by coming up with smart, sound approaches specific to your situation.

Development financing requires far more specialised lenders and strategies. Our options are designed to suit the specific requirements of the transaction, including banks, private lenders, specialty finance, equity share, and much more.

Basically, we do all we can to make sure you get that approval based on your goals as well as where you currently stand financially.

Talk to us today about commercial property and development finance

Glossary

A principal and interest mortgage is where the borrower repays both the principal (the amount initially borrowed) and the interest (what the lender charges for lending you the money) upon every repayment.

An interest-only mortgage allows is where the borrower pays just the interest on their mortgage not reducing the principal amount initially borrowed.

There are a few calculations which will help in your property investment venture, the two below are imperiative to understand, knowing how they work can be the difference between a great investment and something that can put a stop to your progress.

The easiest way to explain this is by asking the question how many properties can you buy if you are having to top up the expenses every week by $100.00? then flipping that question how many properties can you buy if each property pays you $100.00 per week.

Gross Yield is the income return on your investment before any expenses, outgoings or rental vacancies are taken into account and worked into a percentage. Gross yield does also not take interest rates into account.

Gross yield is commonly used when looking at returns, it is simple to calculate and lets you compare properties with different values and rental returns quickly and easily.

Take the weekly rent amount times by the 52 weeks it will be rented for the year divide this by the purchase price of the property and multiply by 100.

Example: $400 a week (Rental amount) x 52 = $20,800.00 divide by $500,000.00 (purchase price of property) $20,800 ($400 x 52 weeks) ÷ $500,000 (Purchase Price) x 100 Yield = 5.2% Net yield Net Yield is the income return on your investment after any expenses, outgoings or rental vacancies are taken into account and worked into a percentage.

Net Yield will provide a true indication as to what the income return on your investment will be.

This will require gathering some details about your chosen property to ensure you aren’t guessing and know the true numbers.