Scott

The situation

Scott is an Australian citizen and a seasoned investor, already holding a residential portfolio and financial assets. He'd done the residential thing and was ready for something bigger: his first commercial asset. He knew what he wanted, he just needed the structuring and lending sorted by people who'd done it before. We ran this one in partnership with a commercial buyer's agent in Australia.

What he wanted

An industrial asset with both yield and growth, and logistics exposure. He had the experience to take it on, what he needed was the structuring and lending worked out.

How we helped

Scott wanted to buy through a company structure, so we provided the accounting work to set it up via Singapore with an onshore Australian director. The lending LVR was the sticking point under that structure. The bank initially required a 50% deposit. We worked the deal so that after settlement Scott could redraw part of that deposit, bringing his LVR to 65% rather than 50%, freeing up capital for his next move.

A note on commercial

Commercial works differently to residential. Returns are driven by the lease and the tenant covenant, not a weekly rent, and the lending hurdle (LVR) is higher. Scott's case shows the structuring work that makes a first commercial purchase possible, rather than a like-for-like yield comparison with the residential cases.

The result

A 4,164m² site with 60% build coverage, room for a future 2,500m² of net lettable area, and a lease in place to 2028 with rent sitting roughly $10–15/m² below market. Bought at $4,050,000, now valued at $5.01 million, a capital uplift of around $960,000 (≈23.7%) in about 18 months.

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