Premises for your own business
Consider the space your operation needs, the purchase contribution and the ongoing cost of ownership alongside your business commitments.
Commercial financing / Thumani
The right space.
A stronger foundation.
An office for your team. A shop for your next chapter. A property with a longer horizon. Start with what the premises need to do, then explore the financing that may fit.
A PLACE FOR YOUR NEXT CHAPTERThink beyond
Think beyond
the address.
Bring the location, permitted use and funding plan into the same conversation.
Begin with the purpose
One property.
Different business ambitions.
The intended use shapes the questions to ask. Financing availability depends on the applicant, property and lender’s product.
Discuss owner occupation
A property held for rental income
Bring the tenancy position, income evidence and operating costs. Include a plan for vacant periods and changing expenses.
Finance against an existing property
Explain the purpose of the funds and any existing mortgage. Ask which secured facility can be considered and what security it requires.
Read the commitment as a whole
The purchase price
is one line in the plan.
Request a written breakdown of your contribution, financing terms and costs before deciding how to fund the purchase.
Your contribution
- Funds needed beyond the approved loan amount
- Valuation, registration and applicable lender charges
- Legal, brokerage and other purchase costs
The ongoing commitment
- Repayment amount and rate or profit structure
- Service charges, maintenance and insurance
- Operating costs and any vacancy allowance
Your room to adapt
- Rate changes or income disruption
- Early settlement and refinancing conditions
- Costs of adapting or exiting the property
A commercial mortgage and a loan against property may serve different purposes. Confirm the exact product and its conditions; a planning discussion does not confirm approval.
Your first meeting, prepared
Bring the business
into the brief.
Use this checklist to organise the conversation. Select what you have ready and download a note of the remaining items.
This is a preparation checklist, not a document submission or an eligibility score. The lender will confirm its requirements.
0 of 5 topics prepared
Picture the next chapter
From a business brief
to a space with purpose.
Give your plans a place to take shape. Start with the business, then bring the property and financing questions together.
From a brief to a decision
A considered route.
With the details in view.
- 01
Define the proposal
Connect the property, applicant and intended use.
- 02
Explore the route
Ask which lender products may consider your proposal.
- 03
Review the conditions
Understand assessment, valuation, security and the written terms.
- 04
Plan completion
Confirm your contribution and fulfil the offer conditions.
Which commercial properties can be considered?
It depends on the lender’s product and acceptance criteria. Explain the property type, location, completion status and intended use. Do not assume that every office, retail unit or warehouse is eligible.
Can a company apply, or does it have to be an individual?
Some products consider individuals and certain business entities. The lender will confirm which applicant structures it accepts and what business, ownership and income records are required.
How much can I borrow?
The lender determines this after reviewing the applicant, repayment capacity, property and valuation. Ask how the approved amount is calculated and what contribution and additional costs you would need to cover.
Can rental income support the application?
Ask whether and how the lender considers rental income for the product. Bring current tenancy and income records where available. Projected income should not be treated as guaranteed.
Is finance against an existing property the same as purchase finance?
These may be different facilities with different purposes, security and terms. Explain what you intend to do with the funds and disclose any existing mortgage so the appropriate route can be reviewed.
What should I bring to the first conversation?
Start with your purpose, applicant details, available financial records, property information and contribution. Use the checklist above to prepare; the lender will confirm the full document list for your application.
A practical next move
Your business has a direction.
Let’s talk about the space.
Share your property plans and the financing questions around them.