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Indicative Terms in 24 - 48 Hours

Commercial Property Finance Structured for Solutions

Expert commercial property finance for businesses across New Zealand and Australia. Competitive commercial property finance rates, fast approvals in 24 to 48 hours, and commonsense underwriting.

Operational Regions

Structuring custom commercial finance solutions across the Tasman. Toggle between regions to explore active operations.

Auckland Wellington Christchurch
Active Operations

Underwriting New Zealand Business Growth

Providing commercial borrowers and mortgage brokers nationwide access to structured debt solutions. From industrial acquisitions in Auckland to forestry machinery refinancing in Christchurch, we deliver fast, expert decisions.

  • Fully local underwriting team based in Auckland
  • Indicative terms issued within 24 to 48 hours
  • Direct access to decision makers, bypassing committees

Commercial Property Finance — Fast, Flexible Funding for Your Business

Commercial property finance is a specialised lending solution designed to help businesses purchase, develop, or refinance commercial real estate. Whether you are acquiring an office building, industrial warehouse, retail centre, or mixed-use development, securing the right commercial property finance is critical to your investment success. At AML Commercial, we specialise in structuring tailored commercial property finance solutions that align with your business objectives and cash flow requirements.

What is commercial property finance? It refers to loans secured against commercial property assets, typically used for acquisition, construction, renovation, or refinancing. Unlike residential mortgages, commercial property finance is assessed on the income-generating potential of the property and the borrower's business strength. Our team provides clear guidance on what is commercial property finance and how it can work for your specific situation.

Competitive Commercial Property Finance Rates

Commercial property finance rates vary based on loan-to-value ratio (LVR), property type, borrower profile, and market conditions. Our commercial property finance interest rates are competitive and transparent. We work with a panel of leading lenders to secure favourable commercial property finance rates for our clients. Unlike traditional banks, our underwriting team assesses each application on its merits, enabling us to offer commercial property finance interest rates that reflect the true risk profile of your transaction.

Commercial Property Finance in New Zealand & Australia

For businesses seeking commercial property finance NZ, we provide local underwriting expertise across all major centres including Auckland, Wellington, Christchurch, Hamilton, and Tauranga. Our commercial property finance NZ solutions cover industrial, retail, office, and specialised commercial assets. For clients across the ditch, our commercial property finance Australia offering is expanding to support Australian corporates and investors with the same speed and flexibility. Whether you need commercial property finance Australia for a Sydney office acquisition or a Brisbane industrial development, our team structures competitive solutions.

Why Choose AML Commercial as Your Commercial Property Finance Broker

As a leading commercial property finance broker, AML Commercial provides direct access to decision-makers, bypassing traditional bank committees. Our commercial property finance brokers have deep experience across the lending landscape, ensuring your application is presented in the strongest possible light. We act as your dedicated commercial property finance broker, managing the entire process from application through to settlement. Our commercial property finance brokers understand that timing is everything in commercial transactions — that is why we issue indicative terms within 24 to 48 hours.

Unlike many commercial property finance companies that outsource their assessment to offshore processing centres, our underwriting team is based locally in Auckland. This means faster decisions, clearer communication, and a deeper understanding of your local market. The best commercial property finance companies differentiate themselves through speed, transparency, and flexibility — and that is exactly what we deliver.

Use Our Commercial Property Finance Calculator

Planning your next commercial property acquisition? Our commercial property finance calculator helps you estimate borrowing capacity, monthly repayments, and potential returns. While a commercial property finance calculator provides useful initial guidance, every transaction is unique. Contact our team for a personalised assessment that goes beyond what any commercial property finance calculator can offer.

Get Started Today

Whether you are comparing commercial property finance rates, exploring commercial property finance companies, or looking for an experienced commercial property finance broker to guide you through the process, AML Commercial is here to help. We provide commercial property finance solutions across New Zealand and Australia with indicative terms within 24 to 48 hours and funding in days. Contact our team today to discuss your commercial property finance requirements and discover the difference that direct, commonsense underwriting makes.

Frequently Asked Questions

Typically 20–35% of the property's purchase price, depending on the lender, property type, and your business financials. Some lenders may accept lower deposits for strong borrowers with quality income-producing assets. We assess each application on its merits to find the most suitable structure.

Commercial property loans in New Zealand typically offer interest rate terms of 1–5 years, with amortisation periods extending up to 25 years. Short-term bridging finance is also available from 6–24 months for time-sensitive acquisitions or refinancing.

Yes. You can secure a loan against commercial property you already own or are purchasing. This type of finance is commonly used for acquisition, refinancing an existing facility, or releasing equity from a commercial asset to fund business growth.

Commercial property finance is a loan secured against commercial real estate — such as offices, industrial warehouses, retail premises, or mixed-use developments. It is used for acquisition, development, renovation, or refinancing and is assessed on the income-generating potential of the property and the borrower's business strength.

Through banks, non-bank lenders, or specialist finance companies like AML Commercial. You typically need a 20–35% deposit, a solid business case demonstrating loan serviceability, and suitable commercial security. Engaging a commercial property finance broker can help structure the best solution for your circumstances.

Loan terms typically run 1–5 years, with amortisation periods of 15–25 years. Some lenders offer facilities with longer terms up to 15 years for well-structured transactions. Flexible options including interest-only periods are also available depending on the lender and property profile.