PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
Merrylands · Mortgage broker
Commercial property loans for owner-occupiers and investors
Finance to buy or refinance offices, retail, industrial and practice premises, whether your business will occupy it or you are investing. Commercial lending works differently from home loans, and the lender looks at the property's income as well as yours.
Commercial loans usually need a larger deposit than home loans, carry shorter terms, and are reviewed periodically. Lenders assess the lease, the tenant, the property type and, for owner-occupiers, the business's trading. Buying premises through an SMSF is also possible under strict rules (see SMSF page).
Related: Home loans · Refinance · Business loans · Fees · Contact
What we do
Commercial Property Loans
For owner-occupiers and investors buying commercial premises.
What’s included
- Purpose and ownership structure: owner-occupy or invest
- A review of the property type, location, tenant and lease
- Lender match on deposit, term, review periods and fees
- Valuation, approval and settlement
Problems we solve
- Larger deposits than home loans
- Shorter terms and periodic reviews
- Lenders assessing the lease and the tenant
- Buying premises through a company, trust or SMSF
How it works
How we deliver
1
Purposeowner-occupy or invest; business or personal ownership structure.
2
Property and lease reviewtype, location, tenant, lease term.
3
Lender matchon deposit, term, review periods and fees.
4
Valuation, approval and settlement.
Pricing
Honest, up-front pricing
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
Reviews & ratings
Loved by the local community
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Commercial Property Loans lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
How much deposit does a commercial loan need?
A commercial loan arranged through Mortgage Pass usually needs more deposit than a home loan; each lender sets its own maximum loan-to-value.
Can I buy my business premises?
Yes. Mortgage Pass can arrange the loan in your own name, a company, a trust or an SMSF, each with different rules.
How is a commercial loan different from a home loan?
Mortgage Pass finds commercial loans usually need a larger deposit than home loans, carry shorter terms, and are reviewed periodically. Lenders assess the lease, the tenant, the property type and, for owner-occupiers, the business’s trading.
Can I buy commercial property through my company, trust or SMSF?
Yes. Mortgage Pass in Merrylands arranges commercial loans in personal names, companies, trusts and SMSFs. The right structure is a tax and legal question, so we work alongside your accountant.
What documents do lenders want for a commercial loan?
Usually two years of business financials and tax returns, recent BAS, the contract of sale and any lease on the property. Mortgage Pass in Merrylands lists exactly what your lender needs before you apply.
Does the lease or tenant affect a commercial loan?
Yes. Mortgage Pass in Merrylands finds lenders look closely at the lease length, the tenant's strength and the rent. A long lease to a solid tenant usually means better terms.
Is a commercial property loan different from a business loan?
Yes. A commercial property loan is secured by the property you buy or own. A business loan funds working capital, equipment or growth, and can be secured or unsecured. Mortgage Pass arranges both.
Is there a fee for commercial loans?
Sometimes. Some commercial loans carry a broker fee, which Mortgage Pass in Merrylands agrees with you in writing before any work starts. The credit guide sets out how we are paid.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/
- (n.d.). Mortgage & Finance Association of Australia. MFAA. https://www.mfaa.com.au/