One of the key consideration for commercial property loan is the “thereafter” interest rate after the lock-in period ends. This is often overlooked by many commercial property and industrial property owners who like to zoom in on the lowest rate in the initial years.

Unlike residential property loans, thereafter rates for commercial property loans can skyrocket to ridiculous BOARD or PRIME lending rates of over 4-6% if one is not careful.

So, speak to our team of mortgage consultants who has specialised knowledge on what else to look out for in commercial property financing.  We also provide comparison of latest rates across all lenders financing commercial & industrial properties bought under personal name and those bought under company name.  For industrial properties, not all banks will be able to lend when buying under personal name.  There is generally also a difference in interest rates for operating companies with a core business, and those setup solely for the purchase and holding of the commercial property, commonly referred to as investment-holding companies (IHCs).

On our website, we only feature the interest rates for commercial properties under personal name.  If you are buying or refinancing commercial property under company name, speak to us first and we will provide you with the latest rates after we find out more information about your manner of holding, business nature, etc.  OD (overdraft) facilities may also be provided for operating companies secured against the commercial/industrial property.