Commercial Property — Case Study

Commercial Mortgage for
$2.2M Industrial Warehouse.

A growing logistics business secured a commercial mortgage to purchase their own warehouse, shifting from paying rent to building equity.

$2.2M
Loan Value
35%
Deposit
65%
LVR Secured

The problem.

A logistics company in South Auckland was facing a massive 30% rent increase upon lease renewal. The owners decided to buy an industrial warehouse to secure their business future.

However, they found commercial property loan terms from their own business bank too restrictive, demanding a 50% cash deposit which would stifle their working capital.

How we solved it.

1
Compelling lending proposalActed as their commercial mortgage broker, packaging the business's strong cash flow forecasts and historical performance into a compelling lending proposal.
2
Approached dedicated lendersApproached dedicated commercial lenders outside of the standard high street banks.
3
Negotiated 65% LVRSuccessfully negotiated a 65% LVR (Loan to Value Ratio) commercial mortgage, requiring only a 35% deposit.
4
Favourable amortisation termSecured a favourable 15-year amortisation term to keep monthly commercial mortgage repayments manageable.

The result.

The business purchased the $3.4M warehouse, transforming their overhead rent expense into an equity-building asset.

Their monthly commercial mortgage repayments are now lower than their projected new lease costs would have been.

"Finch secured the commercial property finance we needed to finally own our premises. The terms were significantly better than our own bank offered."
— Jason & Team, South Auckland, Business Owners

In a similar situation?

A bank rejection doesn't mean the end. Finch has access to 20+ lenders — including specialists who can help when major banks can't. Book a free, no-obligation consultation.

Get Pre-Approved Free → Book a Consultation