Owner-occupied premises
The workshop, the office, the yard, the shop you trade from. The business and the building have to make sense together.
Commercial lending
Premises, commercial property, and refinance for New Zealand businesses — from a family company to a nationwide operation.
Commercial property
The loan is for the building
Commercial lending in New Zealand is how a business buys, refinances, or invests in property. Working capital, a vehicle, or a cash-flow gap — with no property changing hands — is a different conversation.
Commercial investment
A property with a tenant. The lease, the tenant, and the building matter as much as your own balance sheet.
Refinance and restructure
A commercial facility coming to the end of its term, or a structure that no longer matches how the business operates.
A build or a fit-out on commercial terms
Some projects are a construction loan, some are a commercial facility. We say which one it is before anyone spends money on the wrong application.
Need stock, plant, or a facility because the bank said no? That is business lending. Building a new home is a construction loan. A residential rental sits with investment property.
The assessment
What lenders actually look at
A commercial file is not a home-loan application with a different address. These are the four things that decide whether a lender will read it.
01
The property
What it is, where it is, and what a valuer will actually support. Commercial security is not priced like a house.
02
Who occupies it
Your own business, or a tenant on a lease. Lenders read those two files differently.
03
The entity
Company, trust, or a mix. This is where your accountant earns their place on the file, before a lender does.
04
The deposit
Usually more than a home loan, and never a number we invent before seeing the property. We run it against lenders who want this kind of deal.
The network
Accountant, lawyer, valuer — on the file, not after it
Entity structure, the agreement, and the valuation are not things we guess at. If you already have those people, we work with them. If you do not, we introduce lawyers, accountants, and valuers from the Orange Network. We are not a substitute for them.
Lenders
Banks with an appetite for commercial, not every bank
Commercial appetite changes by property type and by lender. These are institutions we can take a file to. A name here is access, not a promise they will say yes.
ANZ
BNZ
Westpac
ASB
Kiwibank
Heartland Bank
SBS Bank
The Co-operative Bank
Major banks on the Orange Network panel. Specialist funders are added when the property or the entity needs them.
Chad Weber
Head of Lending
Chad leads Orange Network's lending work — first homes, refinancing, investment, construction, and business finance — across a panel of 16+ lenders.
Lindsay Hill
Relationship Manager — Mortgages
Lindsay helps home buyers, investors, and business owners secure the right funding — residential, commercial, and asset finance — with clear advice and strong lender relationships.
Where
Commercial lending across Wellington, Kapiti, and New Zealand
Family-run companies on the Kapiti Coast, Wellington businesses buying their first premises, and operators whose sites are somewhere else in the country. In person from Paraparaumu, or online.
Bring the property, or the plan for one
No charge for the first conversation. Address, what you want to do with it, and whether you already have an accountant or lawyer on it.
Book a commercial lending chat
In-home across Greater Wellington, or online from anywhere in New Zealand. Free, no obligation.
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Frequently Asked Questions
- What is commercial lending?
- Commercial lending funds property used for business: the premises you occupy, a commercial investment with a tenant, or the refinance of a commercial loan. Money for stock, wages, or equipment — with no property changing hands — is business lending.
- Can I borrow to buy the premises my business works from?
- Yes. Owner-occupied premises are a core part of this work, from a family company buying its workshop to a business taking on a larger site. The loan is assessed on the property, the business that will occupy it, the entity, and the deposit — not on a residential rule of thumb.
- How much deposit do I need for a commercial property in New Zealand?
- There is no single figure. Most commercial loans need a larger deposit than a home loan, and an owner-occupied building is assessed differently from a leased investment. We work the number out against the property and the lender before you go unconditional.
- What is the difference between a commercial loan and a business loan?
- A commercial loan is secured by, or used to buy, business property. A business loan funds the trading business itself: working capital, equipment, or a cash-flow gap. The lender, the deposit, and the paperwork are not the same, so we do not treat them as one product.
- Will you work with my accountant and lawyer?
- Yes. Entity structure, the sale and purchase agreement, and the valuation all sit with people whose job that is. If you already have an accountant, lawyer, or valuer, we work with them. If you do not, the Orange Network is the lawyers, accountants, and valuers we can introduce — we do not replace them.
- Do you arrange finance for commercial investment property?
- Yes. A leased commercial investment is assessed on the tenant, the lease, the property, and how it sits with the rest of what you own. A residential rental is a different loan — that sits with our investment property team.
Ready to get started?
Our advisers can travel to you for an in-home meeting or arrange a virtual catch up. We're happy to work around your schedule.