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Public practice accountant · Western Sydney

Accountant Office Commercial Loan Sydney

By the Mortgagefy Team · Published 19 Oct 2026 · Last reviewed 19 Oct 2026

Accounting practices run on recurring annual compliance work and advisory retainers — some of the stickiest revenue in professional services. Lenders know this, and treat accounting-firm property as premium owner-occupier commercial.

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General information only, not financial advice. Conditions apply.

How it works

Accounting practice premises sit in the same lender-friendly tier as medical and law — recurring professional fee income, high retention, strong forward visibility. Mainstream commercial banks compete for these deals, which keeps rates sharp.

What drives value: client-meeting room count (practices without proper meeting rooms discount), parking availability (clients will not walk far with records in hand), suburban vs CBD location (suburban practices often finance better per m²), and recurring-fee ratio in the trading entity.

Most practices buy through a holding entity (trust, partnership structure, or SMSF) and lease to the operating entity at arm's-length market rent. Clean documentation of this lease is central to the file.

What commercial lenders actually look at

Fee income composition

Compliance vs advisory split, retainer vs project work, client retention. Recurring compliance work is lender-gold.

Partner structure

Equity partnership, service entity, unit trust — all common and all lender-accepted when documented cleanly.

Property fundamentals

Meeting-room count, parking, visibility, signage. Suburban stand-alone premises often outperform strata on parking.

Succession planning

Clear succession reduces lender concern about key-person risk. Documented buy-sell between partners strengthens the file.

Ways to hold the property

Structure sits between you, your accountant and your lender — tax, asset protection and succession all matter. Four common patterns we see with Western Sydney owner-occupiers:

Personal name

Simplest to arrange. Interest can be deductible against rental income. Little asset protection from a trading-business perspective.

Company

Common for long-term holdings inside a corporate group. Flat company tax rate on rent; no CGT discount at the company level.

Trust (discretionary or unit)

Flexible for distributing rental income and separating property from trading-business risk. Lenders are comfortable with clean trust documentation.

SMSF — leased back at market rent

An SMSF can borrow (via a Limited Recourse Borrowing Arrangement) to buy premises that meet the ATO's "business real property" test and lease them to your business at arm's-length market rent. High-level only — a licensed SMSF specialist and your accountant must confirm your situation.

This is general information only, not financial, tax or legal advice. Confirm your situation with a licensed credit adviser and accountant.

Who this suits

Public practice accountants with 5+ years at the location
Multi-partner firms consolidating partner equity into property
Growing boutique practices scaling out of serviced offices
Firms taking succession from retiring partners
Firms wanting better client-meeting space than they can get in rental stock

Run your commercial numbers

Estimate repayments, LVR and deposit on a commercial purchase — owner-occupier or investment, full-doc or lease-doc — with our commercial property loan calculator. Paying rent now? Compare it against buying with the rent-vs-buy calculator.

Indicative only. Not a loan approval or borrowing-capacity assessment.

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Areas we cover across Western Sydney

Parramatta — Grade A and B office towers in the CBD and Westmead health precinct.

Castle Hill — North-west town-centre offices for established professional firms.

Baulkham Hills — Established business park with mid-size suites along Old Northern Road.

Norwest — Suburban business park with modern mid-size suites.

Chatswood — North-shore office stock with strong public-transport access.

Hurstville — Mid-size office stock close to Forest Road retail.

Liverpool — South-west growth corridor professional suites close to court and hospital.

Macquarie Park — Business park offices with campus-style amenity.

Check your commercial loan options

Answer a few quick questions about the property and your business. Free, no obligation, takes under 3 minutes.

Frequently asked questions

Owner-occupier 75-80% is typical for established practices; strong trading figures push the top end. Investment-office with sitting tenant 65-75%.

A unit trust where partners hold units proportionate to equity is common. The operating partnership leases at arm's-length market rent. Your tax adviser drives the structure.

Yes if the premises qualifies as business real property leased to the operating entity. LRBA for borrowing. High-level only; SMSF specialist confirms.

Parking-light CBD premises finance fine for mainstream suburbs. For suburban practices, parking matters — valuer notes it.

Yes — lenders model recurring fees more favourably than one-off engagement income. Strong retention supports higher gearing.

20-25 years amortisation with interest-only options.

Yes — client-base portability matters. If the move is >20 minutes from current location, lenders want to see the business plan or forward trading projections.

Also see: Law practice · Office suite · Lease-doc loans

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General information only. Conditions apply. Mortgagefy is Credit Rep 532656 under ACL 348324.