COMMERCIAL PROPERTY LOANS GOLD COAST
Commercial finance that won't quietly limit what you can borrow next.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, COMMERCIAL PROPERTY LENDING EXPERT
Chat with Lee, your Gold Coast commercial property lending expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Owner-occupied and investment commercial.
Finance for premises you operate from, or commercial and mixed-use property held as an investment, structured separately from your personal lending.
2. Business and property assessed together.
Commercial lending often looks at your business financials as well as the property. We present both the way each lender on our panel wants to see them, so nothing gets misread.
3. Your residential borrowing protected.
Structured properly, commercial finance doesn't have to eat into what you can still borrow personally or for your next residential purchase.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast business owners use Serres for commercial property?
Commercial lending policy varies more between lenders than standard residential lending does, particularly on loan-to-value ratios, loan terms and how a lender treats the property versus the business behind it.
We hold accreditations across a panel of 70+ banks, non-banks and specialist lenders, which matters most when policy, not rate, is the obstacle to your purchase.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
How is commercial property finance different from a home loan?
Commercial lending typically has shorter loan terms, different loan-to-value ratio limits, and often assesses your business financials alongside the property itself, which is why policy varies so much more between lenders.
Can I buy the premises my business operates from?
Yes, this is one of the most common uses of commercial finance: purchasing the property your own business then occupies and pays rent or repayments toward.
Will commercial finance affect my ability to borrow for a home?
It can, if it's not structured carefully. We set up commercial finance so it's assessed on its own merits rather than quietly reducing your personal borrowing capacity.
Do I need a large deposit for commercial property?
Commercial lending generally requires a higher deposit than residential, often from 30%, though this varies by lender, property type and whether it's owner-occupied or investment.
