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Commercial loans
Apt Wealth Finance, powered by Acceptance Finance
Finance for retail, office and industrial property
Buying a shop, a factory or an office usually calls for a commercial loan, and these work a little differently to a standard home loan. Our specialists give you clear advice and competitive options.
Why investors look to commercial property
Whether you’re a seasoned investor after a new opportunity or looking for another way onto the property ladder, commercial property is worth considering, provided you understand how it differs from residential.
Commercial loans are typically secured against the property being purchased, with lenders assessing the property, the borrower and the overall strength of the investment. Working through the lending options can feel overwhelming, so our specialists present clear advice and match you to finance that suits your situation and objectives.
How we arrange your commercial finance
From first conversation to long after settlement, here is how your broker works with you.
1
Start with a conversation
We talk through where you are now, where you want to get to and the options that could help you get there.
2
Understand your options
Your broker reviews your position against a large panel of lenders, each with their own policies and rates, and narrows the field to the options that suit you.
3
Recommend and apply
You get a clear recommendation, set out with lender, rate and any fees, so the choice is yours. Once you decide, we handle the paperwork and manage the application through to approval.
4
Stay alongside you
Settlement is not the end of it. Your broker stays available for questions and reviews your finance as your circumstances change, so it keeps working in your favour over time.
Where commercial finance can take you
A few of the opportunities our clients pursue:
Attractive yields
Commercial property typically returns a higher rental yield than residential, and holding costs are often lower because much is covered by the tenant.
Growth areas
Commercial investment can let you capitalise on growth in both location and sector, from technology and communications to health, education and food processing.
Retail property
Finance for shopfronts and retail space, structured to suit your investment goals.
Office and industrial
Whether it’s office space, a factory or a warehouse, we’ll match you to finance that fits the asset and your strategy.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Aimee Telford
Aimee Telford
Personal Mortgage Adviser
Aimee Telford is a Personal Mortgage Adviser at Apt Wealth Partners, with a diverse background in the building and novated lease industry.
Melbourne
Albert Kavcic
Albert Kavcic
Finance Broker
Albert Kavcic is a Finance Broker at Acceptance Finance, working with families across Keilor and the surrounding Melbourne suburbs to secure home loans and grow investment portfolios.
Keilor/Keilor East, Melbourne
David Phillipsen
Finance Specialist
Giulia Polizzi
Giulia Polizzi
Finance Broker – Vehicle & Equipment
Giulia Polizzi is Acceptance Finance's Vehicle and Equipment Finance specialist, and the main point of contact for car, plant and equipment finance across the business.
Balwyn, Melbourne
John Empey
John Empey
Finance Broker
John Empey is a Finance Broker at Acceptance Finance, working from his own office in Warrawee to help clients across Sydney's Upper North Shore with home loans, investment loans and refinancing.
Warrawee, Sydney
Matt Mannaert
Matt Mannaert
Finance Broker
Matt Mannaert is a Finance Broker at Acceptance Finance and one of the country's top-performing mortgage brokers, known for his work with property investors.
Balwyn, Melbourne
Matthew Papuga
Matthew Papuga
Finance Broker
Matthew Papuga is a Finance Broker at Acceptance Finance, splitting his time between the Balwyn office and Hoppers Crossing to stay available to clients across both areas.
Balwyn and Hoppers Crossing, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Richie Kasai
Richie Kasai
Finance Broker
Richie Kasai is a Finance Broker at Acceptance Finance, based out of the Balwyn office and known across Kew and Doncaster.
Balwyn, Melbourne
Russel Shaw
Russel Shaw
Finance Broker – Northern Rivers
Russel Shaw is a Director of Acceptance Finance and its Senior Finance Broker for the Ocean Shores office, working across the Northern Rivers region and South East Queensland, with the backing of the Melbourne head office.
Ocean Shores, Northern Rivers NSW
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
What our clients often ask us
How is a commercial loan different from a home loan?
Commercial loans are generally secured by the commercial property and are assessed differently, often with different rates, terms and deposit requirements. That’s why specialist advice matters.
What kind of commercial property can you finance?
Retail space, office space, industrial and warehouse property, and agricultural property, among others. We’ll tailor the finance to the asset and your objectives.
Are the yields really higher than residential?
Commercial property often returns higher gross yields than residential, and many outgoings are typically covered by the tenant. Yields vary considerably by property, location and market, so we’ll look at the specifics with you.
Can you help if I’m new to commercial property?
Yes. Plenty of our clients are stepping into commercial for the first time. We’ll explain how it works and where to be careful, then find finance that suits your situation.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
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Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
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Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
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Explore more on the Apt Wealth Partners blog.
Explore your commercial finance options
Book a no-obligation chat with a commercial specialist. We’ll cut through the noise and show you what’s possible.
Prefer to talk now? Call us on 1800 801 277
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