Commercial and Property

As the demand for commercial property has increased so too have the numbers of financiers active in the market. From banks and finance companies, to managed investment funds and not for profit organisations, the supply of funds and options only continues to increase.

Whether you are buying a commercial property for an investment or to accommodate the expansion of your growing business, facilities are available from $100,000. Terms and conditions cater for interest only, funding of GST and 15 to 20 year amortisation.

At Pacific Finance we look to minimise your use of capital for the initial purchase as well as provide flexibility for the future.

Some points to consider include:

  • Initial loan to value ratio
  • Eliminate or minimise the use of additional property security (cross collateral)
  • Spread your finance between different lenders and away from your trading bank
  • Interest only for the first 2 or 3 years, or longer
  • Fixed interest term to provide certainty of future cash flow and protect against future interest rate rises
  • Extended term for principal repayment
  • Short term GST funding

For many years Pacific Finance clients have been growing their wealth through carefully planned residential or commercial property development. We have partnered with our range of clients to assist financially with residential developments, resort villas and multi-use commercial sites.
Pacific Finance is experienced in helping clients achieve their development vision and financial goals.


  • Residential homes, town houses, villas, duplexes and triplexes
  • Multi story apartments
  • Mixed use developments
  • Resort villas
  • Land banking
  • Land subdivision


Property development facilities are more complex than one off property purchases. To minimise risks and maximise profits Pacific Finance will work through a range of issues including:

  • Amount of finance available and timing of drawdown
  • Number of pre-sales
  • Amount contributed by principal (equity)
  • Fixed price building contracts
  • Income tax and GST implications
  • Funding of interest during construction
  • Cash flow model or budget to clearly demonstrate peak debt requirements
  • Allowance for cost overruns or contingencies
  • Amount needed to prepare project for construction
  • Additional security requirements
  • Mezzanine funding requirements


Call us on 9321 2120 or click here to Contact Us