Finance built around commercial realities.

Clear guidance, considered structures, and commercial loans that support long-term decisions.

Commercial property finance is very different from residential lending — and the details matter.
Loan structure, cash flow, risk profile and lender appetite all play a role in what’s achievable and sustainable over time.

We support owner-occupiers and investors by helping them understand their commercial loan options and choose finance that aligns with their strategy — not just short-term availability.

Why clients choose Extra Mile

Common use cases for commercial loans

Commercial loans are commonly used for:

Our role is to help you understand feasibility, structure and trade-offs before moving forward.

Choosing the right commercial loan structure

Commercial loans are typically assessed more conservatively than residential loans.

Lenders consider factors such as property type, lease arrangements, income stability, loan-to-value ratios and the borrower’s broader financial position. Loan terms, interest rates and flexibility can vary significantly depending on whether the property is owner-occupied or held as an investment.

We explain how these variables affect your options, so you can make informed decisions with a clear view of both opportunity and risk.

Big decisions. Real guidance. Real outcomes.

What clients say after going through the process with Extra Mile.

      
   Extra Mile Financial Services
   41 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Alicia Repetto 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service!!! Great communication, efficient and friendly staff. Thank you Juan Pablo and all the staff at Extra Mile!😃
  
 
      Posted on Google  
   
   Nicky Cross 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve had the best experience with Extra Mile. Marisa, Jose and Juan Pablo really went above and beyond to be able to sort out our loan in record time, and made the whole experience seamless and easy. We have now fulfilled our dream to live by the coast thanks to them 💜 gracias!!!
  
 
      Posted on Google  
   
   I Sen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Extremely professional team, kind and patient to answer as many questions as needed. They moved fast and helped us secure the loan for our project. Highly recommended.
  
 
      Posted on Google  
   
   Marvin Diaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Juan Pablo and his team are very professional and they are always looking for the best outcome for you. Thank you so much for your help with our mortgage refinancing process. 100% recommended. 💚☺️
  
 
      Posted on Google  
   
   Andrea Vigoya 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can't thank Juan and his team enough for everything they have done throughout my home-buying journey.

Buying a home can be an overwhelming and emotional process, and there were moments when I genuinely thought about giving up. From the very beginning, they not only provided exceptional professional advice and expertise, but they also offered constant support, reassurance, and encouragement every step of the way.

They were always available to answer my questions, explain every stage clearly, and make sure I understood all my options. Their communication was outstanding, and I always felt that they genuinely cared about helping me achieve my goal—not just securing a loan.

Their dedication, patience, and commitment made what started as an incredibly stressful experience feel much more manageable. I truly believe that without their guidance, I may not have gone through with purchasing my first home.

Thanks to Juan and his team's expertise and genuine care, I was able to achieve my dream of becoming a homeowner. I couldn't be more grateful and would highly recommend them to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.
  
 
      Posted on Google  
   
   Lina Arroyave 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with Juan Pablo and Jose. They were always responsive, professional, and kept me informed throughout the process. Whenever any challenges or unexpected issues came up, they handled them quickly and efficiently, making the whole experience much less stressful.

I truly appreciated their support, clear communication, and commitment to finding solutions. I would highly recommend them to anyone looking for a reliable and dedicated team.
  
 
      Posted on Google  
   
   Sally Galvez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Juan Pablo and Jose for helping me secure financing for my first home.

Throughout the process, they were responsive to my questions and helped me navigate the HomeStart shared equity application. As a first-home buyer, there was a lot to learn, and I appreciated their assistance in getting everything across the line.

Purchasing a home can be a complex process, and I am grateful for their support in helping me achieve home ownership. Thank you both for your help and guidance along the way.
  
 
      Posted on Google  
   
   Cristian Galarza 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would recommend Extra Mile to anyone looking to get the home loan sorted. They are a dedicated, caring and professional team ready to get things done.
  
 
      Posted on Google  
   
   Bel Dibbens 
 
 
 
 Trustindex verifies that the original source of the review is Google. Pablo and Marisa are amazing at what they do! Couldn’t thank them enough for their help and support along the process. Thank you again, you have made the home ownership process so enjoyable and smooth!
  
 
      Posted on Google  
   
   Danny Helman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Incredible!
The entire experience = professional, delightful, coordinated and the most important part, successful!
Thank you so much to all, we will see you again
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

How commercial loans work

Step 1 - Assess the opportunity

We review the property, intended use, income profile and overall financial position to understand what’s realistic.

Step 2 - Compare lender appetite and structures

We identify lenders aligned with your scenario and compare loan terms, rates, fees and flexibility — not just approval likelihood.

Step 3 - Apply and manage settlement

We coordinate the application, support documentation requirements, liaise with the lender, and guide you through to settlement.

Ready to plan your renovation?

Book a free, no-obligation call and get clarity on the best way to fund your home renovation.

All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.

What you’ll typically need

Requirements vary depending on the lender and property, but most applications will involve:

Frequently asked questions

Are commercial loan rates higher than residential loans?

Often, yes. Commercial loans are assessed differently due to risk and property type. We’ll explain how this affects pricing and structure.

What’s the difference between owner-occupied and investment commercial loans?

Owner-occupied loans are tied to a business using the property, while investment loans rely more heavily on rental income and lease terms. This can impact lender requirements and loan conditions.

Can commercial property be purchased through a company or trust?

In many cases, yes. Structure matters and can influence lender appetite and loan terms.

How long does approval usually take?

Timeframes vary depending on complexity, documentation and lender processes. Once we understand your scenario, we’ll give you a clear expectation.

Is commercial lending more restrictive than residential lending?

Generally, yes. Commercial loans involve more detailed assessment, which is why structure and preparation are important.

Contact us

Our Adelaide office

We’re based in Adelaide and support clients across South Australia and Australia-wide.