Home / Commercial Property Loans / Commercial Property Refinance
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Refinance the commercial mortgage at a sharper rate.
Move an existing commercial property loan to better pricing and terms — and reset the tenure to ease monthly outgo.
0.5–2%
Typical rate saving
Tenure reset
Lower EMI possible
Nil
Foreclosure on floating (indiv/MSME)
Overview
A clean track record deserves better pricing
Twelve months of clean servicing makes your file a takeover target — lenders compete for seasoned commercial mortgages with none of the origination risk.
We compute the all-in saving net of processing and mortgage-creation costs, and move the loan only when it genuinely pays.
At a glance
CandidatesRunning commercial mortgages
Saving0.5–2% p.a. typical
CostsProcessing fee + mortgage re-creation
BonusTop-up possible on valuation headroom
Who is eligible?
- 12+ months' clean repayment on the existing loan
- No overdues across the group's credit reports
- Property value stable or appreciating
- Business cash flows supporting the EMI
- Foreclosure statement obtainable from current lender
Documents you'll need
- Existing sanction letter & repayment track
- Foreclosure / outstanding statement
- List of property papers with current lender
- Financials, ITR & GST returns
- 12 months' bank statements
Locked into an expensive commercial mortgage? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility