Commercial property question
Commercial property question
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JimmyConwayNW

Original Poster:

3,264 posts

141 months

Tuesday 3rd January 2023
quotequote all
I recently purchased a commercial warehouse / industrial site. Sunk a bit of money into the redevelopment of the site.

If this was a residential I could revalue and pull my equity out then just sit back on the mortgage.

Does similar apply to commercial?

Deesee

8,509 posts

99 months

Wednesday 4th January 2023
quotequote all
JimmyConwayNW said:
I recently purchased a commercial warehouse / industrial site. Sunk a bit of money into the redevelopment of the site.

If this was a residential I could revalue and pull my equity out then just sit back on the mortgage.

Does similar apply to commercial?
Yes..

However..

Does depend on if its owner occupied, or op co prop co, & if is op co prop co did the operating company do the improvements etc..

You don't want capital tied up in non core business activities.

JQ

6,374 posts

195 months

Wednesday 4th January 2023
quotequote all
Yes, lots of investors / developers do the same - buy a tired property, renovate it, re-finance and pull all their equity out.

The slight fly in your ointment will be timing. The industrial property values have seen the largest rises in history over the past few years peaking at around June 2022, since then values have dropped markedly with prime distribution values dropping up to 40% over the last 6 months.

As such you might want to get an idea of the current value before broaching the subject with your lender.