Financing the premises you work from

Buying, refinancing, or securing your premises

This is usually the biggest decision on the slate, and it's worth meeting with a steady hand rather than a rush. It tends to come in one of three shapes: buying premises of your own, refinancing a property you already hold onto better-suited finance, or securing the premises you currently lease so the business isn't at the mercy of the next rent review.

Each is a different conversation, and none of them is a decision to hurry. We'll talk through which one you're actually facing before anything else.

Owner-occupied versus investment

There's an honest distinction worth drawing plainly: financing premises you occupy and run your business from is a different picture to financing a property purely as an investment. It changes how the finance is looked at and what suits, so it's worth being clear up front which one you're doing.

Owner-occupied, where the business works from the property it's paying off, is the common one for the trades and businesses we look after. If it's an investment property, tell us, and we'll talk through how that shifts the picture.

How the finance sits under a property

The shape of a property deal depends on the property, the business and what you're doing, so we won't put a rate, a term or a fee against it on a page. In plain terms, the finance sits under the property over a longer horizon than equipment, and is repaid across that longer term.

You don't pick the lender. We find the finance and arrange it; the lender does the lending. Because a property term runs long, the person you deal with over those years matters more here than anywhere, which is worth more than any number on a page.

Already an Ecolease customer

The relationship that started with a machine extends to the premises. If we already finance your gear, the same contact who knows your business can help you look at the property, without starting again with someone who doesn't know your history.

For a decision this size, that continuity is worth a lot: someone who already understands how you operate, picking up the next, bigger question with you. If it's the day-to-day rather than the premises you're weighing, there's financing cash flow too.

Who you'll deal with

You deal with a real person from our team, not a call centre and not a form. A property decision is exactly where you want a human who listens, not a quote engine, so the same contact who arranges it is the one you can call across the life of it. We keep it in plain language the whole way through, however long the term runs.