Commercial 1st & 2nd Mortgages

Emet arranges mortgage finance for business purposes, secured by residential or commercial property. A first mortgage usually sits as the primary registered security over the property. A second mortgage sits behind an existing first mortgage and may allow a borrower to access additional equity without replacing the whole debt stack.

Commercial mortgage finance provides property-backed funding for business purposes through first and second mortgage positions. First mortgages represent primary security over residential or commercial property and are often used for acquisitions, refinances, and longer-term property-backed facilities. Second mortgages provide additional funding against existing property equity without refinancing existing facilities, enabling businesses to access capital while preserving existing first mortgage arrangements where appropriate.

These facilities support property acquisition, business expansion, asset consolidation, and working capital requirements. Residential or commercial property may be considered as security, including offices, retail premises, industrial facilities and warehouses. Acceptance depends on lender policy, existing debt, title, the business purpose and repayment evidence.

Commercial mortgage finance serves business owners, property investors, developers, companies, trusts, and self-managed superannuation funds seeking property-backed funding. Business owners utilize these facilities to acquire premises, consolidate operations, or access equity for growth initiatives. Property investors leverage mortgages to expand portfolios and optimize returns across commercial real estate holdings.

This is commercial and business-purpose lending only—no consumer lending is provided. Borrowers require appropriate business structures (ABN/ACN or trust arrangements) and seek business-purpose funding backed by residential or commercial property security. Both established businesses and those building property portfolios benefit from flexible mortgage solutions tailored to commercial lending requirements.

As commercial finance brokers, we provide access to over 50 lenders nationwide, including major banks, regional lenders, and private capital providers. Our lender relationships encompass traditional institutions and non-bank alternatives, enabling competitive rate comparisons and optimal structure selection. We specialize in property-backed lending options that align with your business objectives and property portfolio strategy.

We guide clients through the finance process, from initial assessment and lender selection through documentation preparation and settlement. Our expertise includes both first and second mortgage positioning, enabling strategic capital structuring. Timeframes depend on the security, valuation, consent requirements, and lender appetite, so we focus on packaging the file clearly and matching it to lenders that fit the transaction.

For deeper education before enquiring, read our second mortgages for business guide, partnership buyout finance guide, and business partner buyout guide.

Eligibility requires business purpose (no consumer lending), commercial property security with adequate valuation, appropriate business structure (ABN/ACN or trust), and demonstrated capacity to service debt. Financial documentation requirements vary by lender but typically include business financial statements, tax returns, and property information. Both established businesses and those building property portfolios are considered.

To proceed, contact our team for an initial assessment. We'll evaluate your requirements, property security, and business circumstances to identify optimal lender options. Our process includes structure recommendation, lender application preparation, and guidance through to settlement.