Stop Throwing Away $3,500/Month in Rent. Own Your Own Trade Shed
Every successful trade business reaches a point where running operations out of a home garage is impossible. You need secure storage for materials, parking for work vehicles and trailers, a dedicated fabrication area, and professional office space for administrative staff.
Renting an industrial strata unit or factory shed costs $3,000 to $6,000 every month in dead lease money that builds zero equity for your family. Furthermore, commercial landlords can raise rents or terminate leases at short notice.
Specialist commercial lenders offer Commercial Low-Doc and Lease-Doc Mortgages up to 75% to 80% LVR for industrial strata units, workshops, and commercial sheds. You can purchase the property in your own name, through a Pty Ltd company, or via a Self-Managed Super Fund (SMSF).
Here is our strategy: We ask you a few quick questions about your situation, then match you directly with an accredited specialist who will fight for your approval, cut through bank red tape, and deliver your loan with zero stress. Get matched directly with an accredited specialist in 60 seconds via the Mortgage Matcher.
How It Works (Takes 2 Minutes)
Wholesale Borrowing Capacity & Add-Back Simulator
Calculate your borrowing capacity using alternative documentation and non-bank credit policies.
| Purchase Structure | Required Verification | Max Commercial LVR | Tax Advantages |
|---|---|---|---|
| Owner-Occupied Low-Doc (Pty Ltd) | 6-Month BAS / CPA Letter | Up to 75% - 80% LVR | 100% Tax Deductible Interest |
| SMSF Commercial Purchase (LRBA) | SMSF Balance + Business Rent | Up to 70% - 75% LVR | 15% Super Tax Rate (0% in Pension) |
| Lease-Doc Commercial Mortgage | Rental Appraisal / Lease Agreement | Up to 70% - 75% LVR | Zero Financial Statements Required |
| Standard Bank Commercial Desk | 3 Years Audited Company Accounts | 65% - 70% Strict LVR | Complex Annual Covenants |
1. The Economics of Owning vs Renting Trade Workshops
Industrial strata factory units across Sydney, Melbourne, Brisbane, and Perth have experienced strong capital growth and consistent tenant demand.
By purchasing your own workshop, your trade business pays market rent directly to your own property holding entity or super fund, converting a mandatory operating expense into tax-advantaged equity creation.
2. Low-Doc Commercial Borrowing Guidelines
Commercial low-doc loans require minimal documentation:
- 6 Months BAS Statements: Proving business trading turnover.
- Accountant Declaration: Confirming business servicing capacity.
- Property Contract & Valuation: Standard commercial strata valuation.
3. GST Considerations on Commercial Settlements
Commercial property purchases often attract 10% GST unless purchased under the 'Going Concern' exemption. We ensure your GST withholding and loan structure are properly managed.
Wholesale alt-doc credit desks deliver fast 24-48 hour turnarounds, allowing tradies to secure formal pre-approvals without waiting for end-of-year tax returns.
Accredited Mortgage Specialists
Accredited credit representatives independently verified against the ASIC Professional Register. Governed by statutory Best Interests Duty (BID) with direct wholesale lender desk access.
David Chi Tran
Emerge Finance
Frequently Asked Questions: Tradie Commercial Shed, Factory Unit & Workshop Mortgages
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Questions are reviewed and answered by verified BBA partner specialists and our credit research team.
"What deposit is required for a commercial tradie workshop?"
"Can my trade business pay rent to my own property holding entity?"