We help business owners buy the right commercial property, with the right structure, at the right price — so you can build equity in your business, not your landlord’s.
Buy vs lease
Explore the monthly loan repayments and rent for your premises, based on your numbers.
This is a guide only. We’ll run detailed analysis for your specific situation.
Ownership shows principal-and-interest repayments at a fixed rate; leasing shows first-year rent divided by 12. The comparisons apply your assumed rent increase annually; the CPI input is an assumption, not a forecast. The 10-year payment totals compare loan repayments with rent, with the upfront deposit shown separately. Deposit is paid upfront and is not included in monthly costs. Stamp duty, fees, fit-out, maintenance, outgoings, tax, capital growth and opportunity cost are excluded from payment comparisons. The separate asset illustration assumes 4% annual capital growth. This is an illustration, not a valuation, finance quote or financial recommendation.
Monthly loan repayments compared with rent at each annual review.
| Year | Own / month | Lease / month | Difference |
|---|
Payments only. The upfront deposit, stamp duty, fees, fit-out, maintenance, outgoings, tax, capital growth and opportunity cost are excluded. The interest rate is fixed for this illustration and rent increases annually at your assumed rate. This is not a valuation, finance quote or financial recommendation.
A fixed 10-year comparison of principal-and-interest loan repayments and rent, with your selected annual rent increase applied each year. This period stays at 10 years even if you change the lease term.
Your upfront deposit of — is retained in your financial position as equity in the property, rather than spent on rent. It is not included in the payment totals above. This equity is committed to the property, not available cash, and its value can rise or fall.
Beyond the payments
Illustrative capital growth assumption: 4% p.a., compounded annually on the purchase price. Growth is not guaranteed; property values may fall.
Owning combines your deposit, principal repayments and any change in property value in your equity. Leasing does not acquire a property asset through rent payments. A tenant’s retained deposit, other savings and possible investment returns are not modelled here, so this is not a complete comparison of financial positions.
Payment totals are not the full cost of ownership or a measure of investment return. They exclude the deposit, stamp duty, fees, fit-out, maintenance, outgoings, tax, capital growth and opportunity cost. The separate asset illustration excludes buying and selling costs and taxes, assumes a fixed interest rate and no additional borrowing or repayments, and is not a valuation, finance quote or financial recommendation.
Enter a valid value in every field to calculate your comparison.
How it works
We start with your business, financial position and long-term objectives.
We assess the market, run the numbers and compare buy vs lease scenarios.
We find and assess suitable opportunities, on and off market.
We manage due diligence, negotiation and coordinate settlement.
Who it’s for
We work with established and growing businesses across a range of industries, including:
Why own your premises
Put your occupancy spending towards a property you own. Principal repayments build equity and support your long-term plans.
Have more say over your space, fit-out and future growth, with less reliance on a landlord’s decisions. Changes remain subject to relevant approvals.
Explore options including company, trust or potentially SMSF ownership with your advisers.
Own the property independently of the business and keep flexibility when it’s time to sell, retire or expand.
Let’s talk
Book a no-obligation call to discuss your situation
and explore your options.
Frequently asked questions
Start with affordability, finance and ownership options, then explore what finding the right premises involves.
We can help you assess your position before you start looking. Through our finance network, we can review borrowing capacity, deposit requirements and suitable lending options so you know your realistic purchase range.
As a general guide, allow access to around 35% of the purchase price through a combination of cash, superannuation and/or available equity. The exact amount depends on the loan-to-value ratio (LVR) offered by the lender, the property, ownership structure and your financial position. Fit-out costs also need to be considered in addition to the purchase funding.
Potentially. An SMSF can sometimes purchase commercial property that is then leased to your business, subject to superannuation and related-party rules. We can help you understand the property side and work alongside your accountant, adviser and finance specialist.
That depends on tax, asset protection, succession and financing considerations. We don’t provide tax or legal advice, but we can coordinate with your accountant, solicitor and finance advisers so the property strategy fits the structure you choose.
No. Sometimes leasing is the better option. We assess the numbers, your business plans, property type and likely holding period before recommending whether buying makes sense.
No. Ideally we speak before you start searching. We can help determine your budget, location requirements, space needs and ownership strategy first.
We always consider the exit before you buy. Buy smart and the property can potentially be leased or sold if your business outgrows it. We assess that flexibility upfront so the property can support your next move, not hold you back.
Potentially, yes. This can be a useful strategy for some businesses, provided the property, finance and leasing arrangements stack up.
Yes, depending on how the ownership is structured. Some business owners sell the operating business but retain the property and lease it to the new operator, creating a separate investment asset.
It varies depending on finance readiness, property availability and how specific your requirements are. The process usually starts with strategy and finance assessment before moving into the search and acquisition stage.
Depending on the transaction, you may need to allow for stamp duty, legal fees, due diligence, valuation, finance costs, building inspections, fit-out costs and potentially GST or other acquisition costs.
Our due diligence considers the following areas, as relevant to the property and ownership structure:
This includes reviewing the occupation certificate and relevant approvals to check that the premises can be used for your intended purpose. We coordinate with your legal, accounting, finance and other specialist advisers where needed.