Commercial property was not hit by the Budget, and more residential investors are looking to make the move. But commercial finance works very differently, and not every broker who says they “do commercial” knows how.
In this episode of the Commercial Property Investing Podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial and Chris Huxter, Partner of Commercial Investments at InvestorKit, to walk through what changes when you go from residential to commercial.
They cover using your residential equity to fund a commercial deposit, why staggered cash outs across separate banks usually beat cross securing, and why the highest valuation is not always the best deal once you factor in the rate. Jack explains how lease doc loans work, why commercial valuations take longer, cost more and can be challenged, and how lease length, tenant quality and asset type shape how much a bank will lend, including why industrial gets far more lender appetite than childcare.
Chapters:
00:00 Suddenly, Everyone “Does Commercial”
01:33 Can Your Resi Equity Fund a Commercial Deposit?
02:46 Bank A for Equity, Bank B for Commercial
04:48 Cross Securing: Why We Steer Clear
05:34 The Extra $100K Valuation That Costs You More
06:51 Cash Out the Deposit and a Buffer
07:56 Lease Doc: The Loan That Ignores Your Other Debt
09:09 Why Commercial Valuers Actually Show Up
10:51 Valuation Came in Short? You Can Push Back
13:33 Valuation Costs and the “Friday Quote”
14:47 Not Every Broker Can Do Commercial
15:29 For Lease Doc, Rent Is Everything
17:37 Does It Matter Who Your Tenant Is?
18:35 Your Lease Ends. Now What?
20:18 Industrial vs Childcare: Who Gets More From the Bank?
23:31 The Slip Ups That Cost You in Commercial
InvestorKit Commercial, featuring Chris Huxter, Commercial Buyer’s Agent of the Year (Australian Buyer’s Agent Awards 2026)
Ready to systematically enter the commercial market using corporate cashflow or surplus equity?
If you have over $1M in usable household equity, business surplus, or $750K in an SMSF, book your free data strategy session with our specialised corporate acquisitions desk: https://www.investorkit.com.au/commer...
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Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisers. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.
